An aqueous dispersion comprising: copolymer particles, wherein the copolymer comprises as polymerized units, based on the weight of the copolymer, (i) from 0.5 wt% to 2 wt% of an allyl ether phosphate functional monomer; (ii) from 0.1 wt% to 10 wt% of an ethylenically unsaturated hydroxy-functional monomer; (iii) from 0.1 wt% to 10 wt% of a self-crosslinking monomer selected from ethylenically unsaturated nonionic monomers containing an acetoacetoxy group, an acetoacetamide group, or a diacetone acrylamide group; (iv) from 0.01 wt% to 1.5 wt% of an ethylenically unsaturated monomer having at least one alkoxysilane functionality; (v) from 28 wt% to 46 wt% of a nonionic hydrophobic monomer selected from: 2-ethylhexyl (meth)acrylate, cyclohexyl (meth)acrylate, tetradecyl (meth)acrylate, oleyl (meth)acrylate, palmityl (meth)acrylate, stearyl (meth)acrylate, decyl (meth)acrylate, lauryl (meth)acrylate, and isodecyl (meth)acrylate; dihexyl succinate and didecyl succinate; vinyl versatate; or mixtures thereof; and (vi) ethylenically unsaturated nonionic monomers comprising at least one hydrophobic monomer selected from styrene or substituted styrene, butyl (meth)acrylate, iso-butyl (meth)acrylate, or mixtures thereof and at least one hydrophilic monomer selected from methyl (meth)acrylate, ethyl acrylate, (meth)acrylic acid, acrylonitrile, (meth)acrylamide, methylol (meth)acrylamide, acrolein, polyethylene glycol (meth)acrylate, or mixtures thereof, excluding monomers (i), (ii), (iii), (iv) and (v); wherein the weight ratio of the hydrophobic monomer to the hydrophilic monomer is from 0.5:1 to 2.0:1; from 0.3 wt% to 5 wt% of an alkyl ethoxylated phosphate or alkylphenol ethoxylated phosphate surfactant, based on the weight of the copolymer; and from 0 to 10 wt% of a compound containing at least two -NH 2 or -NH-functionalities or a polyfunctional carboxylic hydrazide containing at least two hydrazide groups per molecule, based on the weight of the copolymer. copolymer particles, wherein the copolymer comprises as polymerized units, based on the weight of the copolymer, (i) from 0.5 wt% to 2 wt% of an allyl ether phosphate functional monomer; (ii) from 0.1 wt% to 10 wt% of an ethylenically unsaturated hydroxy-functional monomer; (iii) from 0.1 wt% to 10 wt% of a self-crosslinking monomer selected from ethylenically unsaturated nonionic monomers containing an acetoacetoxy group, an acetoacetamide group, or a diacetone acrylamide group; (iv) from 0.01 wt% to 1.5 wt% of an ethylenically unsaturated monomer having at least one alkoxysilane functionality; (v) from 28 wt% to 46 wt% of a nonionic hydrophobic monomer selected from: 2-ethylhexyl (meth)acrylate, cyclohexyl (meth)acrylate, tetradecyl (meth)acrylate, oleyl (meth)acrylate, palmityl (meth)acrylate, stearyl (meth)acrylate, decyl (meth)acrylate, lauryl (meth)acrylate, and isodecyl (meth)acrylate; dihexyl succinate and didecyl succinate; vinyl versatate; or mixtures thereof; and (vi) ethylenically unsaturated nonionic monomers comprising at least one hydrophobic monomer selected from styrene or substituted styrene, butyl (meth)acrylate, iso-butyl (meth)acrylate, or mixtures thereof and at least one hydrophilic monomer selected from methyl (meth)acrylate, ethyl acrylate, (meth)acrylic acid, acrylonitrile, (meth)acrylamide, methylol (meth)acrylamide, acrolein, polyethylene glycol (meth)acrylate, or mixtures thereof, excluding monomers (i), (ii), (iii), (iv) and (v); wherein the weight ratio of the hydrophobic monomer to the hydrophilic monomer is from 0.5:1 to 2.0:1; (i) from 0.5 wt% to 2 wt% of an allyl ether phosphate functional monomer; (ii) from 0.1 wt% to 10 wt% of an ethylenically unsaturated hydroxy-functional monomer; (iii) from 0.1 wt% to 10 wt% of a self-crosslinking monomer selected from ethylenically unsaturated nonionic monomers containing an acetoacetoxy group, an acetoacetamide group, or a diacetone acrylamide group; (iv) from 0.01 wt% to 1.5 wt% of an ethylenically unsaturated monomer having at least one alkoxysilane functionality; (v) from 28 wt% to 46 wt% of a nonionic hydrophobic monomer selected from: 2-ethylhexyl (meth)acrylate, cyclohexyl (meth)acrylate, tetradecyl (meth)acrylate, oleyl (meth)acrylate, palmityl (meth)acrylate, stearyl (meth)acrylate, decyl (meth)acrylate, lauryl (meth)acrylate, and isodecyl (meth)acrylate; dihexyl succinate and didecyl succinate; vinyl versatate; or mixtures thereof; and (vi) ethylenically unsaturated nonionic monomers comprising at least one hydrophobic monomer selected from styrene or substituted styrene, butyl (meth)acrylate, iso-butyl (meth)acrylate, or mixtures thereof and at least one hydrophilic monomer selected from methyl (meth)acrylate, ethyl acrylate, (meth)acrylic acid, acrylonitrile, (meth)acrylamide, methylol (meth)acrylamide, acrolein, polyethylene glycol (meth)acrylate, or mixtures thereof, excluding monomers (i), (ii), (iii), (iv) and (v); wherein the weight ratio of the hydrophobic monomer to the hydrophilic monomer is from 0.5:1 to 2.0:1; from 0.3 wt% to 5 wt% of an alkyl ethoxylated phosphate or alkylphenol ethoxylated phosphate surfactant, based on the weight of the copolymer; and from 0 to 10 wt% of a compound containing at least two -NH 2 or -NH-functionalities or a polyfunctional carboxylic hydrazide containing at least two hydrazide groups per molecule, based on the weight of the copolymer.