Review title is A 5-Star Product - almost [SEP] I could have easily given this 5 stars, but I don't like the congealing of the coconut or whatever it is that won't dissolve. I tried using heat from my hands, but they won't go away and get all over everything. If it wasn't for that I would buy again and again. Also, Amazon says it has an SPF, but I'm not sure that it does.