A pigment grind dispersion contains non-adsorbed titanium dioxide particles dispersed in an aqueous emulsion containing a mixture of (a) water-insoluble film-forming first polymer particles that adsorb to titanium dioxide particles, the first polymer particle amount in the emulsion being less than the saturation level of adsorption when another polymer is not present, (b) water-insoluble film-forming second polymer particles that do not by themselves form composite particles with titanium dioxide particles, the second polymer particle amount in the emulsion being sufficient to inhibit or interfere with adsorption of the first polymer particles to titanium dioxide particles, and (c) extender particles. The pigment grind dispersion has a titanium dioxide pigment volume concentration of about 25 to about 50 and a titania composite ratio of about 32 to about 60.