This is a very expensive but excellent UVA/UVB high spf ss for sensitive skin prone to PIH. I think I pd about $50 for 1 oz, so it's NOT cheap. However, to me it's worth it. I have oily, acne-prone, sensitive skin that gets dark spots from acne, irritation, etc. This is a white liquid that is fragrance-free. It goes on white, but leaves no real white cast if blended in well. It is a bit draggy, but dries w/o looking very shiny and does not stay sticky at all. I'd say the finish is satin-matte. I can wear mu over it w/ no probs. This didnt cause any breakouts, irritation, or redness. It also contains lightening ings like niacinamide and licorice root. Too much niancinamide breaks me out - this did not, so it seems there's not a high enough concentration here to do that. The pkg is a nice pump. I do have to use a good mu remover to remove it. Overall, excellent product, but very pricey. I don't like to spend a lot of $$ on products, but a good ss is SO hard to find, that in this case its worth it.