A concentrate including, by weight (a) 10% to 60%, preferably 25% to 35%, of a saturated fatty acid selected from stearic or palmitic acid, or mixtures thereof, in an adduct of an amidopropyldimethyl-2-hydroxyethyl ammonium halide, with substantially no free acid present, and (b) 40% to 90%, preferably 65% to 75%, of a low molecular weight alcohol or saturated fatty alcohol or alcohols, for use in personal care products, including hair care and skin care compositions.