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What type of dispersion is either water in oil or oil in water?

A An emulsion

An emulsion is a dispersion that may be either water-in-oil or oil-in-water. A gel is a two-phase system containing an extremely fine solid particle that, when mixed, it is difficult to distinguish between the two phases, and it is considered a semisolid form. Lotions are a liquid for topical application that contains insoluble solids or liquids, and an ointment is a homogeneous, viscous, semi- solid preparation, most commonly a greasy, thick oil (oil 80% and water 20%) with a high viscosity that is intended for external application to the skin or mucous membranes.