Lotion: Add the VEEGUM to the water slowly, agitating at maximum available shear until smooth. Mix in additional A ingredients in order, allowing each addition to achieve dispersion uniformity. Mix B until clear. Add B to A, mixing until uniform. Cream: Add the VEEGUM to the water slowly, agitating at maximum available shear until smooth. Mix in additional A ingredients in order, allowing each addition to achieve dispersion uniformity. Heat A to 75-80'C. Heat B while stirring to 75-80'C. Add B to A and mix while cooling. Pour off at 40'C.