There is a great variation of skin tones within people. Even people who tend to be called ‘white’ or ‘fair skinned’ have great variations in their skin tone.
A cool skin tone means your skin is close to a pinkish white. A warmer skin tone means your skin is more like a beige color.
Think of a typical blond Scandinavian person. They have the extreme of the cool skin tone.
Think of a typical black-haired Mediterranean person. They have the extreme of the warm skin tone.
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