Abstract: Active ingredients are solubilized or dispersed in a matrix which also contains dispersants. When this composition is applied to a permeable substrate, the matrix and dispersants associate with the substrate and bring the active ingredient into contact with the substrate while substantially preventing penetration of the active ingredient into the permeable substrate. The consistent and continuous contact of the active ingredient with the permeable substrate, needed to achieve optimal and reliable effectiveness of the active ingredient, is enhanced by the low water solubility of the composition and by its resistance to removal by rubbing. The composition is, however, easily removable by surface active agents, such as soaps and detergents.