*L* I didn't even realize this was an old post until I got to Susan's reply. Kathryn's edit was awesome by the way.
Jody, mind if I ask what you ended up doing - spot metering for example? Because I've had this same problem, about a year ago I have a shoot with a baby girl, and a few of the shots (in a basket, in the shade, wearing light clothes) came out very similiar to this. Couldn't figure out what I needed to do since I couldn't expose anymore - the whites were already getting blown out. Good to know we can still learn from each other's posts 3 years afterwards!