A cationic oil-in-water emulsion, for addition to detersive compositions, comprising hydrophilic cationic polymers, a surface-active, anionic polymer that is capable of adsorbing at an air-water interface or an oil-water interface and/or is oil-soluble, and a hydrophobic benefit agent in the oil phase made by adding the benefit agent to a hydrophobic liquid; thickening the oil phase with an organophillic smectite clay reacted at clay platelet surfaces to make the clay platelet surfaces hydrophobic while the edge surfaces of the clay remain hydrophilic, such that the organophillic smectite clay is adsorbed at an oil/water interface in the emulsion, and one of the hydrophilic, cationic polymers has a cationic nitrogen content of at least 6% by weight, that is incompatible with anionic surfactants, being insoluble in anionic-surfactant solutions containing an amount of 3% or higher of an anionic surfactant, and another hydrophilic cationic polymer has a cationic nitrogen content of at least 0.1% by weight and has a molecular weight of at least 600,000 Dalton.