Unlike some of the other reviewers, I got lucky, and the fit and proportions worked out just right (Im 54 and a size 2x. Ordered a 3x and it fits snugly.) The waist, when folded down, fits below the natural waistline, and fits about 2 above when not folded. Either way seems comfortable. The length is very nice - hits about 3 below the knee, and the side slit at the hem is kind of cute. Looks presentable with an array of rashguard tops over tankinis. Would look ok with a sundress, too, but the material is truly for the water. (Definitely wouldnt recommend wearing without another layer over the behind, though.) This is the perfect solution for not frightening my coworkers on a beach trip. Too much.