BY ELLEN RANTA OLSON Is SPF 45 any better than SPF 15? Which are the harmful rays, UVA or UVB? See how much you know about the lifesaver in your beach bag I've come a long way since my teenage days of slathering up with coconut-scented oil and roasting by the pool. But I have a confession to make: I still don't practice safe sunning. Sure, I'll apply a low-grade SPF for a day at the beach, but everyday wear? Not for me. Staying out of the sun between 10 a.m. and 2 p.m.? No way. Reapplying sunscreen every hour or so? Can't be bothered. As I approach a milestone birthday this year, I'm resolving to take better care of my skin. And as I recently learned, my new approach to sun safety can't come a day too soon. If, like me, you need a good dose of reality to help you change your risky ways, read on. > SUM MER 2014 17