After using it for years, I suddenly developed an allergic reaction to chemical-based sunscreen a while back. Had put some on back of my neck, and broke out in awful itchy rash and HIVES all over my neck, back, and chest. It lasted for about 5 days! I switched to the titanium/zinc sunblocks instead....no more problems. I noticed you mentioned that you did use a couple of different lotions that morning. Sounds like an allergic reaction to some ingredient in them to me.