An aqueous dispersion with a pH of from 2 to 7, comprising at least one swellable polymer or oligomer containing anionic andor potentially anionic functional groups, surface-modified, cationically stabilized, inorganic nanoparticles of at least one kind, and at least one amphiphile;and its use for producing highly scratch-resistant coatings, moldings, and self-supporting films. In the MLCC having a multiple parallel interior plates brought to, and exposed at, at least one, first, surface, an electrically-conductive first-metal layer, preferably Cu, is electrolessly deposited upon this first surface directly in contact with, mechanically connected to, and electrically connected to, the edges of these interior plates. The foam or porous applicator may be connected to the discharge end at the time of manufacture as by molding, or by mechanically connecting or by adhering the same to the discharge orifice as part of the assembly process. The automated banking machine includes a display and a printer to produce records of financial transfers carried out with the machine.