Angie blogged about this product so I tried it (sample size) and found that it is just the SPF without moisturizer.

For mature skin that needs moisturizer have you found the Clarins SPF 30 with moisturizer to work for you instead of the UV protect 40? It says something about wrinkles on the tube too.

I live in a very dry area and really need moisture--- especially when the furnace gets turned on for winter!