Polysaccharide products with improved performance and clarity in phosphate ester surfactant-based aqueous formulations and process for preparation

A personal or household care product includes cationic, nonionic or cationic/nonionic derivatized polysaccharide in combination with a phosphate ester surfactant. The derivatized polysaccharide polymer is formed by reacting the polysaccharide ester surfactant for a sufficient time and at a sufficient temperature in the presence of water, caustic, and at least one surfactant. The polysaccharide polymer may optionally be reacted with an oxidizing agent, hydrolytic or proteolytic enzymes, molecular weight reducing agents and a cationizing agent and nonionic agent. The formed derivatized polysaccharide has a lower clarity in water than in an aqueous surfactant system.