f the acrylic acid moieties which have been neutralized, reacted or esterified in the film forming acrylic polymer or copolymer dispersion which is used inpreparing the formulation.The acid groups on the phosphate ester surfactant can be neutralized with an alkali metal hydroxide, carbonate or bicarbonate, such as sodium hydroxide, potassium hydroxide, sodium carbonate, potassium carbonate, and th