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Rashguards with a *SPF rating help prevent the incidence of malignant melanoma by protecting you from the forces of the solar rays prompting cellular damage. Melanoma is less common than different skin cancers. Unfortunately, it is much more life-threatening and causes the vast majority (75%) of Fatalities associated to skin cancer. You can read more about malignant melanoma on Wikipaedia.
*SPF stands for Sun Protection Factor. The number is determined experimentally indoors by exposing human subjects to a light spectrum meant to mimic noontime sun. Some subjects wear sunscreen and others do not. The amount of light that induces redness in sunscreen-protected skin, divided by the amount of light that induces redness in unprotected skin is the SPF. It is mainly a measure of UVB protection and ranges from 1 to 50 or above.