TAN SKIN WITH COOL UNDERTONES means your skin has hints of pink, red or blue.

TAN SKIN WITH NEUTRAL UNDERTONES is balance between yellow and blue.

TAN SKIN WITH OLIVE UNDERTONES tend to appear more greenish or greyish.

TAN SKIN WITH WARM UNDERTONES tends to lean towards peachy, yellow or golden tones.

TAN SKIN AND I'M NOT REALLY SURE.