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Coco Fiber The invention relates to a substrate treated with a waterless micro-emulsion lotion, which is liquid at room

temperature. For the purposes of the present invention, room temperature is a temperature of from about 20.degree. C. to

about 25.degree. C. The lotion formula of the present invention undergoes an in-situ phase change from liquid to semi-solid,

finely divided, uniformly dispersed form upon contact with the substrate, for example, the fibers of the web. This property

is important in preventing liquid lotion migration into the substrate or the packaging, and in enhancing the lubricious,

soft, and non-greasy feeling of the lotioned substrate. Lotion in the substrate is readily transferred to the user's skin by

the friction from wiping and body heat to provide the benefits to the skin surface. One aspect of the present invention

includes a lotion including a micro-emulsion composition, which is substantially liquid at room temperature and undergoes a

phase change to a semi-solid or solid upon contact with a cellulosic substrate. The micro-emulsion composition includes a

polar emollient, a non-polar emollient, a co-surfactant and a non-ionic surfactant. Another aspect of the present invention

includes a substrate treated with the lotion including a micro-emulsion composition, which composition is liquid at room

temperature and undergoes a phase change to a semi-solid or solid upon contact with the cellulosic substrate. Another aspect

of the present invention includes a lotion including a micro-emulsion, which includes a polar emollient, a non-polar

emollient, a non-ionic surfactant, and a co-surfactant wherein at least one of the emollients has substantial solubility in

either cellulosic or synthetic fiber. Preferably, at least the polar emollient is soluble in cellulosic fibers and the non-

polar emollient is more preferably soluble in synthetic fibers. Another aspect of the present invention includes a lotion

including: 35% polyalkoxy or polyhydroxy emollient; 12.5% aromatic ester, such as C.sub.12 to C.sub.15 alkyl benzoate ester

or mineral oil; 12.5% myristyl alcohol; and 40% PEG-20 methyl glucose sesquistearate.