What to pack?

These past few days have brought up numerous e-mails, texts, and phone calls regarding what clothes and other goodies we should pack for our trip.  We've been encouraged to lay out our clothes, cut that in half, and then before we leave, cut it in half again.  The current temperature in Finland today was a high of 51F and a low of 31F....brrr!!!  I'm not sure about the others, but I don't want to be cold.  However, I am excited with all the available saunas in Finland and our hosts seem very eager to show us an authentic Finnish lifestyle!!  Most important item to pack: a swim suit :)
Lynn