The UV index today in Moncton, New Brunswick, Canada is 8... which means I got my sunburn shortly after I started to sand and paint a garage door.

An index of 8, for me, being a blue eyed, red headed, half Irish, balding lad means, if yer gonna be in the sun for over 8 minutes... SPF 50 at least... and that is WITH a wide brimmed hat.