The present disclosure relates, according to some embodiments, to methods of formulating a personal care product (e.g. sunscreen) composition that is stable when exposed to high and/or low temperatures for extended periods and that applies clear to wet skin and remains clear. A method may comprise, for example, combining a discontinuous oil phase with an emulsifying compound and one or more UV filters to form an oil phase mixture heating and mixing the oil phase mixture dispersing one or more non-emulsifying grade carbomer polymers in a continuous water phase to form a water phase mixture combining and mixing the oil phase mixture and the water phase mixture to form a pre-emulsion adding a neutralizing base to form a personal care product emulsion adding water (e.g., to replace water lost during processing) and mixing the emulsion to form a homogenous composition. The present disclosure relates, in some embodiments, to compositions (e.g., stable compositions) for topical application to human skin (e.g., that are non-whitening when applied to wet skin). A composition may comprise, for example, a continuous water phase, a discontinuous oil phase dispersed in said continuous water phase, an emulsifying compound that from 0% to 1% by weight of the composition, a complete absence of any other emulsifying compound, a stabilizing, and non-whitening amount of one or more non-emulsifying grade carbomer polymers selected from the group carbomer copolymer, carbomer interpolymer, and carbomer homopolymer.
