One of my best friends just found a cancerous mole on her back. She lives in NYC and works ridiculous hours in an office, and yet still managed to spend enough time unprotected in the sun for this to happen. Luckily, all it took was a short procedure to remove it, but it still cost her $12,000, even with insurance…in case – aside from wrinkles – you needed more motivation to lather on sunscreen every day (even in the winter, it is a MUST!).