I'm a cool winter/cool summer type with relatively fair skin. I've gained weight, so I bought 506 to disguise the fat on my chin. I was torn between the popular 432, but I wanted a bolder shade, so I went with 506. I ended up using it under my chin, under my ears, and along my hairline, and it turned out great! It's surprisingly thick at first, but it blends well with a sponge, so you can create gradations and make it darker or lighter. It's not sticky or dry, but you might want to be careful with white turtlenecks. (You might be able to tone it down with a transparent face powder.)