A mathematical model that simulates the spectral curves of remote-sensing reflectance of blooms of the red-tide dinoflagellate Ptychodiscus brevis is developed. The model is compared to measurements obtained from a low-flying helicopter for P. brevis populations with chlorophyll-like pigment concentrations from 7 to 77 mg m-3 found in the case 2 waters along the west Florida shelf in October 1983.The model simulates the effects of backscattering from water, phytoplankton, and detritus, and the effects of absorption due to water, phytoplankton, detritus, and yellow dissolved matter ("Gelbstoff") for case 1 and case 2 waters. It can be easily modified to simulate the spectral reflectance of phytoplankton from other pigment color groups. Matching the model spectral curves to measured remote-sensing reflectance curves provides accurate estimates of chlorophyll a plus pheophytin a and also estimates of Gelbstoff and detritus concentrations. Comparison of remote-sensing reflectance data to model reflectance data allows calculation of the quantum efficiency of fluorescence for a given phytoplankton population, which provides a remote measurement of a factor that has been found to increase with the nutrient stress of the population.Most algorithms used extensively in the remote sensing of chlorophyll a plus the associated pheophytin a pigments (henceforth referred to as chlorophyll a) are typically of the spectral ratio type, which are considered valid only for case 1 waters (those for which phytoplankton and their derivative products play a dominant role). Such algorithms are not analytic in nature, and the ratioing process tends to camouflage or merge several distinct effects (see Gordon and Morel 1983).Our approach here is to provide an analytic model describing how various seawater constituents affect remote-sensing reflectance measurements. By matching the model values to the measured values of remotesensing reflectance, we provide estimates of Chl a, Gelbstoff, and detritus concentrations in a largely case 2 environment near the west Florida coast during a red-tide bloom.