An aqueous polymer dispersion comprising: a) an aqueous medium; b) acetoacetyl functional polymer particles dispersed in said aqueous medium, wherein said acetoacetyl functional polymer particles are prepared by polymerization of i) acetoacetyl functional monomers having the following structure: wherein A is either: or wherein R 1 is selected from H, alkyl having 1 to 10 carbon atoms, and phenyl; R 2 is selected from H, alkyl having 1 to 10 carbon atoms, phenyl, halo, CO 2 CH 3, and CN; wherein R 3 is selected from H, alkyl having 1 to 10 carbon atoms, phenyl, and halo; wherein R 4 is selected from alkylene having 1 to 10 carbon atoms and phenylene; wherein R 5 is selected from alkylene having 1 to 10 carbon atoms and phenylene; wherein a, m, n, and q are independently selected from 0 and 1; wherein each of X and Y is selected from -NH- and -O-; and B is selected from A, alkyl having 1 to 10 carbon atoms, phenyl, and heterocyclic groups; ii) non-ionic monomer; and optionally iii) ionic monomer; and c) at least one alkyl ethoxylated phosphate surfactant comprising a C 8 to C 18 alkyl group attached to a polyoxyethylene chain having an average degree of polymerization in the range of from 20 to 100. a) an aqueous medium; b) acetoacetyl functional polymer particles dispersed in said aqueous medium, wherein said acetoacetyl functional polymer particles are prepared by polymerization of i) acetoacetyl functional monomers having the following structure: wherein A is either: or wherein R 1 is selected from H, alkyl having 1 to 10 carbon atoms, and phenyl; R 2 is selected from H, alkyl having 1 to 10 carbon atoms, phenyl, halo, CO 2 CH 3, and CN; wherein R 3 is selected from H, alkyl having 1 to 10 carbon atoms, phenyl, and halo; wherein R 4 is selected from alkylene having 1 to 10 carbon atoms and phenylene; wherein R 5 is selected from alkylene having 1 to 10 carbon atoms and phenylene; wherein a, m, n, and q are independently selected from 0 and 1; wherein each of X and Y is selected from -NH- and -O-; and B is selected from A, alkyl having 1 to 10 carbon atoms, phenyl, and heterocyclic groups; ii) non-ionic monomer; and optionally iii) ionic monomer; and i) acetoacetyl functional monomers having the following structure: wherein A is either: or wherein R 1 is selected from H, alkyl having 1 to 10 carbon atoms, and phenyl; R 2 is selected from H, alkyl having 1 to 10 carbon atoms, phenyl, halo, CO 2 CH 3, and CN; wherein R 3 is selected from H, alkyl having 1 to 10 carbon atoms, phenyl, and halo; wherein R 4 is selected from alkylene having 1 to 10 carbon atoms and phenylene; wherein R 5 is selected from alkylene having 1 to 10 carbon atoms and phenylene; wherein a, m, n, and q are independently selected from 0 and 1; wherein each of X and Y is selected from -NH- and -O-; and B is selected from A, alkyl having 1 to 10 carbon atoms, phenyl, and heterocyclic groups; wherein R 1 is selected from H, alkyl having 1 to 10 carbon atoms, and phenyl; R 2 is selected from H, alkyl having 1 to 10 carbon atoms, phenyl, halo, CO 2 CH 3, and CN; wherein R 3 is selected from H, alkyl having 1 to 10 carbon atoms, phenyl, and halo; wherein R 4 is selected from alkylene having 1 to 10 carbon atoms and phenylene; wherein R 5 is selected from alkylene having 1 to 10 carbon atoms and phenylene; wherein a, m, n, and q are independently selected from 0 and 1; wherein each of X and Y is selected from -NH- and -O-; and B is selected from A, alkyl having 1 to 10 carbon atoms, phenyl, and heterocyclic groups; ii) non-ionic monomer; and optionally iii) ionic monomer; c) at least one alkyl ethoxylated phosphate surfactant comprising a C 8 to C 18 alkyl group attached to a polyoxyethylene chain having an average degree of polymerization in the range of from 20 to 100.