terminal hydroxyl group with a polycarboxylic acid or polycarboxylic acid anhydride, and (C) an ethoxylated or propoxylated quaternary ammonium salt surfactant having the formula (I) ##STR8## wherein R1 is an organic group containing a straight or branched alkyl or alkenyl group optionally substituted with up to 3 phenyl or hydroxy groups, and optionally interrupted by up to 4 structures selected