text: Options for topical formulation include:
  * Cream – Emulsion of oil and water in approximately equal proportions.  Penetrates stratum corneum outer layers of skin well.
  * Ointment – Combines oil (80%) and water (20%). Effective barrier against moisture loss.
  * Gel – Liquefies upon contact with the skin.
  * Paste – Combines three agents – oil, water, and powder; an ointment in which a powder is suspended.
  * Powder – A finely subdivided solid substance.