Difference Between Cream and Lotion

Summary -- Creams have oil as an equal or larger percentage of the total.  Lotions have water as a larger percentage of the total.  So far, all of my recipes have been for creams.  Will try a lotion sometime soon.

Swift Crafty Monkey Lotion Reference

http://swiftcraftymonkey.blogspot.com/2010/06/question-how-can-you-tell-if-its-good.html