The composition of claim 12 wherein the emulsifier is a water-insoluble particulate material comprising (a) the surface-active or a water-insoluble anionic polymer; (b) the water-soluble, high molecular weight cationic polymer that is insoluble in 3 weight % or higher anionic surfactant solutions; and (c) the water-soluble, ultra high molecular weight cationic polymer; the first step in producing