A 49-year-old White woman with brown hair and brown eyes is in disbelief when she is diagnosed with a malignant melanoma. She says she has always worn sunscreen on her yearly beach vacations. Which of the following statements by the nurse practitioner best explains the development of her malignancy?

"People with your personal characteristics of brown hair and brown eyes are at higher risk for developing malignant melanomas."

"Recent research has shown that malignant melanoma is higher in people who use sunscreen, because those people are generally out in the sun more than the general population, and sunscreen mostly blocks UVB rays, not UVA rays, which are equally as damaging."

"Higher socioeconomic status is correlated with higher rates of malignant melanoma. Going to the beach every year is an indication that you are of higher socioeconomic status."

"The water from the ocean at the beach washed off the sunscreen and you didn't reapply often enough."