In the distance, a woman takes off the top of her swimsuit and goes swimming in a hotel pool. No nudity is visible.

Husband gets undressed and gets into bed with his sleeping wife. They begin kissing and it's implied they have sex. They are both nude at least from the waist up but no explicit nudity is seen.

How can a movie with multiple F-WORDS in it get a PG13 rating? Are there no standards anymore?

A main character indicates they will be dying of cancer in the near future.