Final answer:
The lotion is a colloid, a type of mixture in which the particles are larger than molecules and remain dispersed. It cannot be separated into oil and water by filtration or centrifuge.
Step-by-step explanation:
The type of mixture described in the question is a colloid. Colloids are heterogeneous mixtures in which the particles are larger than molecules but remain dispersed and do not settle. They can appear cloudy or opaque due to a phenomenon called the Tyndall effect, which occurs when the particles scatter light.
A skin lotion that is a fine mixture of water and various oils is considered a colloid because it exhibits the Tyndall effect and cannot be separated into oil and water by filtration or centrifuge. The lotion appears cloudy because the water droplets and oil droplets are dispersed throughout the mixture without settling out.