The present invention describes, in one aspect, the use of two oppositely charged surfactants as the primary emulsifiers in two separated parts of a product. The emulsifiers are chosen such that when the two parts of the emulsion product are mixed, the emulsifiers react to form water insoluble compounds that are no longer able to function as emulsifiers, thus, the oil phase of the emulsion is precipitated onto the skin along with the emulsifier reaction product. Since none of the deposited materials are water soluble, or capable of functioning as emulsifiers, the deposited oil phase is extremely resistant to being washed off. This technology finds applications in hand and body creams and lotions, baby care products, sunscreens, skin protective products, makeup systems, and automotive and furniture polishes.