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Oil in Water (Emulsion) - Made of large percentage of water and humectant, blended with small amount of oils and made into liquid or emulsion
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Water in Oil ( Cream) - Made of small percentage of water and humectant, blended with large amount of oils and made into luquid or cream
General rule for selection of moisturizer
The drier the skin and its environment, the richer te moisturizer is needed.
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