Well, my funny friend, the correct answer is that more sunlight is reflected than transmitted by the white upper surface of clouds. Those fluffy clouds up there are like a bunch of reflective mirrors, bouncing the sunlight back into space instead of letting it warm up the Earth's surface. So, on cloudy summer days, those clouds are basically playing a game of Hide and Seek with the sun, making it seem colder. Those sneaky clouds just love to keep us guessing!
More sunlight is reflected than transmitted by the white upper surface of clouds.