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Olay Daily Moisturizing Lotion With Sunscreen Spf 15

Daily Moisturizing Lotion With Sunscreen Spf 15

Olay Complete Daily Moisturizer with Broad Spectrum Sunscreen SPF 15 and UVA/UVB protection provides 48 hours of hydration for normal skin. This lightweight, antioxidant lotion conditions skin surface with Vitamins E, B3 and C to help maintain healthy-looking skin.
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Skim through

Ingredient name what-it-does irr., com. ID-Rating
Octisalate (4.5 %) sunscreen 0, 0
Homosalate (4.0 %) sunscreen
Avobenzone (3.0 %) sunscreen goodie
Octocrylene (2.6 %) sunscreen
Water solvent
Glycerin skin-identical ingredient, moisturizer/​humectant 0, 0 superstar
Polyethylene viscosity controlling
Dimethicone emollient 0, 1
Isopropyl Isostearate emollient 0, 4-5
Hydroxyethyl Acrylate/Sodium Acryloyldimethyl Taurate Copolymer viscosity controlling
Propylene Glycol moisturizer/​humectant, solvent, viscosity controlling 0, 0
Niacinamide cell-communicating ingredient, skin brightening, anti-acne, moisturizer/​humectant superstar
Panthenol soothing, moisturizer/​humectant 0, 0 goodie
Stearyl Alcohol emollient, viscosity controlling, emulsifying, surfactant/​cleansing 2, 2
Caprylyl Glycol moisturizer/​humectant, emollient
Behenyl Alcohol emollient, viscosity controlling
1.2-Hexanediol solvent
Phenoxyethanol preservative
Cetyl Alcohol emollient, emulsifying, viscosity controlling, surfactant/​cleansing 2, 2
Dimethiconol emollient, moisturizer/​humectant
PEG-100 Stearate surfactant/​cleansing, emulsifying 0, 0
Fragrance perfuming icky
Sodium Benzoate preservative
Cetearyl Glucoside emulsifying, surfactant/​cleansing
Cetearyl Alcohol emollient, viscosity controlling, emulsifying, surfactant/​cleansing 1, 2
Disodium EDTA chelating, viscosity controlling
Stearic Acid emollient, viscosity controlling 0, 2-3
Palmitic Acid skin-identical ingredient, emollient, emulsifying 0, 2
Tocopheryl Acetate antioxidant 0, 0
Ascorbic Acid antioxidant, skin brightening, buffering superstar

Olay Daily Moisturizing Lotion With Sunscreen Spf 15
Ingredients explained

Also-called: Octyl Salicylate, Octisalate;Ethylhexyl Salicylate | What-it-does: sunscreen | Irritancy: 0 | Comedogenicity: 0

A colorless to light yellowish oily liquid that works as a UVB (280-320nm) sunscreen filter with a peak absorbance at 306 nm. It's not a strong filter in itself, it's always used in combination with other sunscreen agents to further enhance the SPF and to solubilize other solid UV filters.

It has a good safety profile and is allowed to be used at a max concentration of 5% both in the US and in Europe (10% is allowed in Japan).

What-it-does: sunscreen

An oil-soluble chemical sunscreen agent that protects the skin from UVB (295-315 nm) with a peak protection at 306 nm. Homosalate is not a strong UV filter in and of itself (gives only SPF 4.3 protection at max. allowed 10% concentration) and it is not photostable (looses 10% of its SPF protection in 45 mins) so it always has to be combined with other sunscreens for proper protection. Its big advantage, though, is that it is a liquid and is excellent for dissolving other hard to solubilize powder sunscreen agents, like the famous Avobenzone.

Regarding Homosalate's safety profile, we do not have the best news. In-vitro (made in the labs) studies have shown that it might have some estrogenic activity. Do not panic, these studies were not conducted on real humans under real world conditions. Still, if you are a 'better safe than sorry' type, be careful when using Homosalate containing sunscreens long-term and full-body.

As of 2020, Homosalate is permitted to be used up to 10% in the EU and 15% in the US, but the EU is currently considering restricting it to only 1.4% (probably taking effect from 2022).  

Also-called: Butyl Methoxydibenzoylmethane | What-it-does: sunscreen

The famous Avobenzone. It is a special snowflake as it is the only globally available chemical sunscreen agent that provides proper UVA protection (in the US, new generation sunscreen agents are not approved because of impossible FDA regulations). It is the global gold standard of UVA protection and is the most used UVA sunscreen in the world. 

It gives very good protection across the whole UVA range (310-400 nm that is both UVA1 and UVA2) with a peak protection at 360 nm. The problem with it, though, is that it is not photostable and degrades in the sunlight. Wikipedia says that avobenzone loses 36% of its UV-absorption capacity after just one hour of sunlight (yep, this is one of the reasons why sunscreens have to be reapplied after a few hours).

The cosmetic's industry is trying to solve the problem by combining avobenzone with other UV filters that enhance its stability (like octocrylene, Tinosorb S or Ensulizole) or by encapsulating it and while both solutions help, neither is perfect. Interestingly, the combination of avobenzone with mineral sunscreens (that is titanium dioxide and zinc oxide) is not a good idea. In the US, it is flat out prohibited as avobenzone becomes unstable when combined with mineral sunscreens.

As for safety, avobenzone has a pretty good safety profile. It counts as non-irritating, and unlike some other chemical sunscreens, it shows no estrogenic effect. The maximum concentration of avobenzone permitted is 5% in the EU and 3% in the US.

What-it-does: sunscreen

An oil-soluble chemical sunscreen agent that protects skin in the UVB and somewhat in the UVA II range with a peak absorption of 304 nm. Its protection is not strong enough on its own but it is quite photostable (loses 10% of SPF protection in 95 mins) and is often used to stabilize other photo-unstable UV-filters, for example, Avobenzone. It is also often used to improve the water resistance of the products. 

Octocrylene's safety profile is generally quite good, though a review study in Contact Dermatitis reports an "increasing number of patients with photo contact allergy to octocrylene." Mainly adults with ketoprofen-sensitivity and children with sensitive skin are affected, so if you have a small kid, it is probably better to use octocrylene-free sunscreens.

Also-called: Aqua | What-it-does: solvent

Good old water, aka H2O. The most common skincare ingredient of all. You can usually find it right in the very first spot of the ingredient list, meaning it’s the biggest thing out of all the stuff that makes up the product. 

It’s mainly a solvent for ingredients that do not like to dissolve in oils but rather in water. 

Once inside the skin, it hydrates, but not from the outside - putting pure water on the skin (hello long baths!) is drying. 

One more thing: the water used in cosmetics is purified and deionized (it means that almost all of the mineral ions inside it is removed). Like this, the products can stay more stable over time. 

Glycerin - superstar
Also-called: Glycerol | What-it-does: skin-identical ingredient, moisturizer/humectant | Irritancy: 0 | Comedogenicity: 0
  • A natural moisturizer that’s also in our skin
  • A super common, safe, effective and cheap molecule used for more than 50 years
  • Not only a simple moisturizer but knows much more: keeps the skin lipids between our skin cells in a healthy (liquid crystal) state, protects against irritation, helps to restore barrier
  • Effective from as low as 3% with even more benefits at higher concentrations up to 20-40% (around 10% is a good usability-effectiveness sweet spot)
  • High-glycerin moisturizers are awesome for treating severely dry skin
Read all the geeky details about Glycerin here >>

What-it-does: viscosity controlling

Polyethylene is the most common plastic in the world. It is a super versatile polymer (molecule from repeated subunits) and when it comes to cosmetics, it is often referred to as microbeads. Well, it used to be referred to as microbeads, as it was banned in 2015 in the " Microbead-Free Waters Act" due to the small plastic spheres accumulating in the waters and looking like food to fish. Well done by Obama. 

But being versatile means that polyethylene does not only come as scrub particles but also as a white wax. In its wax-form, it is still well, alive and pretty popular. It thickens up water-free formulas, increases hardness and raises the melting point of emulsions and water-less balms. It is particularly common in cleansing balms and stick-type makeup products due to its ability to add body, hardness and slip to these formulas. 

What-it-does: emollient | Irritancy: 0 | Comedogenicity: 1

Probably the most common silicone of all. It is a polymer (created from repeating subunits) molecule and has different molecular weight and thus different viscosity versions from water-light to thick liquid.

As for skincare, it makes the skin silky smooth, creates a subtle gloss and forms a protective barrier (aka occlusive). Also, works well to fill in fine lines and wrinkles and give skin a plump look (of course that is only temporary, but still, it's nice). There are also scar treatment gels out there using dimethicone as their base ingredient. It helps to soften scars and increase their elasticity. 

As for hair care, it is a non-volatile silicone meaning that it stays on the hair rather than evaporates from it and smoothes the hair like no other thing. Depending on your hair type, it can be a bit difficult to wash out and might cause some build-up (btw, this is not true to all silicones, only the non-volatile types). 

What-it-does: emollient | Irritancy: 0 | Comedogenicity: 4-5

An oily liquid (ester) that makes your skin nice and smooth, aka emollient. It is described as highly emollient or substantive, but with a light and easy spreading and nonoily skin feel. 

Also-called: Sepinov EMT 10 | What-it-does: viscosity controlling, emulsion stabilising

This long-named, polymer molecule (big molecule from repeated subunits) is a helper ingredient that's good at emulsifying and stabilizing oils into water-based formulas. It also acts as a thickening and gelling agent that creates nice, non-sticky and supple textures. It works over a very wide pH range (3-12) and can be used to thicken up low-ph formulas, such as exfoliants. Its recommended used range is 0.3-3%.

What-it-does: moisturizer/humectant, solvent, viscosity controlling | Irritancy: 0 | Comedogenicity: 0
  • It's a helper ingredient that improves the freeze-thaw stability of products
  • It's also a solvent, humectant and to some extent a penetration enhancer
  • It has a bad reputation among natural cosmetics advocates but cosmetic scientists and toxicology experts do not agree (read more in the geeky details section)
Read all the geeky details about Propylene Glycol here >>

Niacinamide - superstar
Also-called: vitamin B3, nicotinamide | What-it-does: cell-communicating ingredient, skin brightening, anti-acne, moisturizer/humectant
  • A multi-functional skincare superstar with several proven benefits for the skin
  • Great anti-aging, wrinkle smoothing ingredient used at 4-5% concentration
  • Fades brown spots alone or in combination with amino sugar, acetyl glucosamine
  • Increases ceramide synthesis that results in a stronger, healthier skin barrier and better skin hydration
  • Can help to improve several skin conditions including acne, rosacea, and atopic dermatitis
Read all the geeky details about Niacinamide here >>

Panthenol - goodie
Also-called: Pro-Vitamin B5 | What-it-does: soothing, moisturizer/humectant | Irritancy: 0 | Comedogenicity: 0

An easy-to-formulate, commonly used, nice to have ingredient that’s also called pro-vitamin B5. As you might guess from the “pro” part, it’s a precursor to vitamin B5 (whose fancy name is pantothenic acid). 

Its main job in skincare products is to moisturise the skin. It’s a humectant meaning that it can help the skin to attract water and then hold onto it. There is also research showing that panthenol can help our skin to produce more lovely lipids that are important for a strong and healthy skin barrier. 

Another great thing about panthenol is that it has anti-inflammatory and skin protecting abilities. A study shows that it can reduce the irritation caused by less-nice other ingredients (e.g. fragrance, preservatives or chemical sunscreens) in the product.

Research also shows that it might be useful for wound healing as it promotes fibroblast (nice type of cells in our skin that produce skin-firming collagen) proliferation. 

If that wasn’t enough panthenol is also useful in nail and hair care products. A study shows that a nail treatment liquide with 2% panthenol could effectively get into the nail and significantly increase the hydration of it.

As for the hair the hydration effect is also true there. Panthenol might make your hair softer, more elastic and helps to comb your hair more easily. 

What-it-does: emollient, viscosity controlling, emulsion stabilising, emulsifying, surfactant/cleansing | Irritancy: 2 | Comedogenicity: 2

A handy multi-tasker, white to light yellowish oil-loving wax that works very well in oil-in-water emulsions.  It makes your skin feel nice and smooth (emollient),  stabilizes oil-water mixes and gives body to them.

Oh, and one more thing: it's a so-called fatty alcohol - the good, emollient type of alcohol that is non-drying and non-irritating. It is often mixed with fellow fatty alcohol, Cetyl Alcohol, and the mixture is called Cetearyl Alcohol in the ingredient list. 

It’s a handy multi-tasking ingredient that gives the skin a nice, soft feel. At the same time, it also boosts the effectiveness of other preservatives, such as the nowadays super commonly used phenoxyethanol

The blend of these two (caprylyl glycol + phenoxyethanol) is called Optiphen, which not only helps to keep your cosmetics free from nasty things for a long time but also gives a good feel to the finished product. It's a popular duo.

A fatty alcohol (the non-drying type with a long oil loving chain of 22 carbon atoms) that is used to increase the viscosity of the formula and it also helps the oily and the watery parts to stay nicely mixed together (called emulsion stabilizing). 

What-it-does: solvent

A really multi-functional helper ingredient that can do several things in a skincare product: it can bring a soft and pleasant feel to the formula, it can act as a humectant and emollient, it can be a solvent for some other ingredients (for example it can help to stabilize perfumes in watery products) and it can also help to disperse pigments more evenly in makeup products. And that is still not all: it can also boost the antimicrobial activity of preservatives

What-it-does: preservative

It’s pretty much the current IT-preservative. It’s safe and gentle, but even more importantly, it’s not a feared-by-everyone-mostly-without-scientific-reason paraben.

It’s not something new: it was introduced around 1950 and today it can be used up to 1% worldwide. It can be found in nature - in green tea - but the version used in cosmetics is synthetic. 

Other than having a good safety profile and being quite gentle to the skin it has some other advantages too. It can be used in many types of formulations as it has great thermal stability (can be heated up to 85°C) and works on a wide range of pH levels (ph 3-10). 

It’s often used together with ethylhexylglycerin as it nicely improves the preservative activity of phenoxyethanol.

What-it-does: emollient, emulsifying, viscosity controlling, surfactant/cleansing, emulsion stabilising | Irritancy: 2 | Comedogenicity: 2

A so-called fatty (the good, non-drying kind of) alcohol that does all kinds of things in a skincare product: it makes your skin feel smooth and nice (emollient), helps to thicken up products and also helps water and oil to blend (emulsifier). Can be derived from coconut or palm kernel oil.

A thick, high molecular weight silicone that is usually diluted in another, lighter silicone fluid (like dimethicone or cyclopentasiloxane). The dimethiconol containing silicone blends leave a silky smooth, non-greasy film on the skin.

What-it-does: surfactant/cleansing, emulsifying | Irritancy: 0 | Comedogenicity: 0

A very common water-loving surfactant and emulsifier that helps to keep water and oil mixed nicely together. 

It's often paired with glyceryl stearate - the two together form a super effective emulsifier duo that's salt and acid tolerant and works over a wide pH range. It also gives a "pleasing product aesthetics", so no wonder it's popular.

Fragrance - icky
Also-called: Fragrance, Parfum;Parfum/Fragrance | What-it-does: perfuming

Exactly what it sounds: nice smelling stuff put into cosmetic products so that the end product also smells nice. Fragrance in the US and parfum in the EU is a generic term on the ingredient list that is made up of 30 to 50 chemicals on average (but it can have as much as 200 components!). 

If you are someone who likes to know what you put on your face then fragrance is not your best friend - there's no way to know what’s really in it.  

Also, if your skin is sensitive, fragrance is again not your best friend. It’s the number one cause of contact allergy to cosmetics. It’s definitely a smart thing to avoid with sensitive skin (and fragrance of any type - natural is just as allergic as synthetic, if not worse!). 

What-it-does: preservative

A helper ingredient that helps to make the products stay nice longer, aka preservative. It works mainly against fungi. 

It’s pH dependent and works best at acidic pH levels (3-5). It’s not strong enough to be used in itself so it’s always combined with something else, often with potassium sorbate.

A sugar based emulsifier that's especially great for low viscosity lotions or even sprays. It's effective in small amounts, only 1-1.5% is needed to form an emulsion. The resulting cream or lotion has great cosmetic properties with good spreadability and an enhanced soft skin feel. 

What-it-does: emollient, viscosity controlling, emulsifying, emulsion stabilising, surfactant/cleansing | Irritancy: 1 | Comedogenicity: 2

An extremely common multitasker ingredient that gives your skin a nice soft feel (emollient) and gives body to creams and lotions. It also helps to stabilize oil-water mixes (emulsions), though it does not function as an emulsifier in itself. Its typical use level in most cream type formulas is 2-3%.  

It’s a so-called fatty alcohol, a mix of cetyl and stearyl alcohol, other two emollient fatty alcohols.  Though chemically speaking, it is alcohol (as in, it has an -OH group in its molecule), its properties are totally different from the properties of low molecular weight or drying alcohols such as denat. alcohol. Fatty alcohols have a long oil-soluble (and thus emollient) tail part that makes them absolutely non-drying and non-irritating and are totally ok for the skin.

Super common little helper ingredient that helps products to remain nice and stable for a longer time. It does so by neutralizing the metal ions in the formula (that usually get into there from water) that would otherwise cause some not so nice changes.

It is typically used in tiny amounts, around 0.1% or less.

What-it-does: emollient, viscosity controlling | Irritancy: 0 | Comedogenicity: 2-3

A common multi-tasker fatty acid. It makes your skin feel nice and smooth (emollient), gives body to cream type products and helps to stabilize water and oil mixes (aka emulsions).

What-it-does: skin-identical ingredient, emollient, emulsifying | Irritancy: 0 | Comedogenicity: 2

A fatty acid that can be found naturally in the skin. In fact, it's the most common saturated fatty acid found in animals and plants.

As for skincare, it can make the skin feel nice and smooth in moisturizers (emollient) or it can act as a foam building cleansing agent in cleansers. It's also a very popular ingredient in shaving foams. 

Also-called: Vitamin E Acetate | What-it-does: antioxidant | Irritancy: 0 | Comedogenicity: 0

It’s the most commonly used version of pure vitamin E in cosmetics. You can read all about the pure form here. This one is the so-called esterified version. 

According to famous dermatologist, Leslie Baumann while tocopheryl acetate is more stable and has a longer shelf life, it’s also more poorly absorbed by the skin and may not have the same awesome photoprotective effects as pure Vit E. 

Ascorbic Acid - superstar
Also-called: Vitamin C, L-ascorbic acid | What-it-does: antioxidant, skin brightening, buffering
  • Works best between a concentration of 5-20%
  • Boosts the skin’s own collagen production
  • Fades pigmentation and brown spots
  • If used under sunscreen it boosts its UV protection
  • Extremely unstable and oxidizes very easily in presence of light or air
  • Stable in solutions with water only if pH is less than 3.5 or in waterless formulations
  • Vit E + C work in synergy and provide superb photoprotection
  • Ferulic acid doubles the photoprotection effect of Vit C+E and helps to stabilize Vit C
  • Potent Vit. C serums might cause a slight tingling on sensitive skin
Read all the geeky details about Ascorbic Acid here >>

You may also want to take a look at...

what‑it‑does sunscreen
irritancy, com. 0, 0
A colorless to light yellowish oily liquid that works as a UVB (280-320nm) sunscreen filter with a peak absorbance at 306 nm. It's not a strong filter in itself, it's always used in combination with other sunscreen agents. [more]
what‑it‑does sunscreen
An oil-soluble chemical sunscreen agent that protects the skin from UVB (295-315 nm) with a peak protection at 306 nm. Homosalate is not a strong UV filter in and of itself (gives only SPF 4.3 protection at max. [more]
what‑it‑does sunscreen
Avobenzone - the only globally available chemical sunscreen that gives proper UVA protection. It is not photostable so has to be combined with ingredients that help to stabilize it. [more]
what‑it‑does sunscreen
An oil-soluble chemical sunscreen agent that protects skin in the UVB and somewhat in the UVA II range with a peak absorption of 304 nm. [more]
what‑it‑does solvent
Normal (well kind of - it's purified and deionized) water. Usually the main solvent in cosmetic products. [more]
what‑it‑does skin-identical ingredient | moisturizer/humectant
irritancy, com. 0, 0
A real oldie but a goodie. Great natural moisturizer and skin-identical ingredient that plays an important role in skin hydration and general skin health. [more]
what‑it‑does viscosity controlling
The common plastic molecule that is used as a white wax to give hardness and slip to the formulas. It used to be used as microbeads as well but was banned in 2015 due to environmental reasons. [more]
what‑it‑does emollient
irritancy, com. 0, 1
A very common silicone that gives both skin and hair a silky smooth feel. It also forms a protective barrier on the skin and fills in fine lines. Also used for scar treatment. [more]
what‑it‑does emollient
irritancy, com. 0, 4-5
An oily liquid (ester) that makes your skin nice and smooth, aka emollient.  [more]
what‑it‑does viscosity controlling
A helper ingredient that's good at stabilizing water-based formulas and also serves as a thickener. [more]
what‑it‑does moisturizer/humectant | solvent | viscosity controlling
irritancy, com. 0, 0
A common glycol that improves the freeze-thaw stability of products. It's also a solvent, humectant and to some extent a penetration enhancer. [more]
what‑it‑does cell-communicating ingredient | skin brightening | anti-acne | moisturizer/humectant
A multi-functional skincare superstar that has clinically proven anti-aging, skin lightening, anti-inflammatory and barrier repair properties. [more]
what‑it‑does soothing | moisturizer/humectant
irritancy, com. 0, 0
Pro-Vitamin B5 is a goodie that moisturises the skin, has anti-inflammatory, skin protecting and wound healing properties. [more]
what‑it‑does emollient | viscosity controlling | emulsifying | surfactant/cleansing
irritancy, com. 2, 2
A handy multi-tasker, white to light yellowish oil-loving wax that works very well in oil-in-water emulsions.  It makes your skin feel nice and smooth (emollient),  stabilizes oil-water mixes and gives body to them.Oh, and one more thing: [more]
what‑it‑does moisturizer/humectant | emollient
A handy multi-tasking ingredient that gives the skin a nice, soft feel and also boosts the effectiveness of other preservatives. [more]
what‑it‑does emollient | viscosity controlling
A fatty alcohol (the non-drying type) that is used to increase the viscosity of the formula and stabilize emulsions. [more]
what‑it‑does solvent
A multi-functional helper ingredient that acts as a humectant and emollient. It's also a solvent and can boost the effectiveness of preservatives. [more]
what‑it‑does preservative
Pretty much the current IT-preservative. It’s safe and gentle, and can be used up to 1% worldwide. [more]
what‑it‑does emollient | emulsifying | viscosity controlling | surfactant/cleansing
irritancy, com. 2, 2
A fatty (the good, non-drying kind of) alcohol that makes your skin feel smooth and nice (emollient), helps to thicken up products and also helps water and oil to blend (emulsifier).
what‑it‑does emollient | moisturizer/humectant
A thick, high molecular weight silicone that is usually diluted in a lighter silicone fluid. The dimethiconol containing silicone blends leave a silky smooth, non-greasy film on the skin. [more]
what‑it‑does surfactant/cleansing | emulsifying
irritancy, com. 0, 0
A commonly used water-soluble surfactant and emulsifier. [more]
what‑it‑does perfuming
The generic term for nice smelling stuff put into cosmetic products so that the end product also smells nice. It is made up of 30 to 50 chemicals on average. [more]
what‑it‑does preservative
A preservative that works mainly against fungi. Has to be combined with other preservatives. [more]
what‑it‑does emulsifying | surfactant/cleansing
A sugar based emulsifier that's especially great for low viscosity lotions or even sprays. [more]
what‑it‑does emollient | viscosity controlling | emulsifying | surfactant/cleansing
irritancy, com. 1, 2
A super common multitasker ingredient that gives your skin a nice soft feel (emollient) and gives body to creams. [more]
what‑it‑does chelating | viscosity controlling
Super common little helper ingredient that helps products to remain nice and stable for a longer time. It does so by neutralizing the metal ions in the formula (that usually get into there from water) that would otherwise cause some not so nice changes. [more]
what‑it‑does emollient | viscosity controlling
irritancy, com. 0, 2-3
A common multi-tasker fatty acid that works as an emollient, thickener and emulsion stabilizer. [more]
what‑it‑does skin-identical ingredient | emollient | emulsifying
irritancy, com. 0, 2
A fatty acid that can be found naturally in the skin. It can make the skin feel nice and smooth in moisturizers (emollient) or it can act as a foam building cleansing agent in cleansers. [more]
what‑it‑does antioxidant
irritancy, com. 0, 0
A form of vitamin E that works as an antioxidant. Compared to the pure form it's more stable, has longer shelf life, but it's also more poorly absorbed by the skin. [more]
what‑it‑does antioxidant | skin brightening | buffering
Pure Vitamin C. A skincare superstar that is clinically proven to boost collagen production (in 5-20% concentration), fade hyperpigmentation and boost UV protection under sunscreen. Also, it's extremely unstable and hard to formulate. [more]