I have combo skin with acne and this product did not cause me any skin issues!

Shade 21 is suitable also for fair European skin, but it has greyish undertone - my sister with cooler skin undertone loves it and for me it's to go for winter season (I have warm undertone). I also did not expect such a great coverage, I would say it's medium and buildable, yet it still looks very natural. Finnish is also natural, not very matte. I am definitely reordering this product - great price for the quality.