At your latitude, Carl and at this time of year and probably for the next few months I'd be inclined to use the sunny F11 rule and also err on the side of overexposure, as Nick has suggested.

So if it were me I'd use 1/100th at f11 and even then I'd be inclined to use f8 or the next shutter speed down unless it was a very clear, sunny day

pentaxuser