I bought this for my daughter to wear at the pool, beach and lake.  She is 10 years old, about 85 pounds and 4'8.  I ordered the size 14.  It fits pretty well, but I would prefer it was a litlte longer (could be that my daughter is tall though).  While standing, it covers her entire waist and back area, but when she is bending over (or playing in the sand), it creeps up a little and her skin is in the sun if wearing a tankini.  Otherwise, completely happy with the purchase.

I bought this swim shirt for my daughter.  She's a very challenging person to shop for.  She doesn't like anything too fitted and she likes to be covered (I know I'll appreciate this some day :-)  She's a tomboy and she loved the shirt and matching board shorts and even commented that it was a little more girly than what she's used to - but she really liked it.  It's very pretty and bright and seemed of good quality.