An aqueous dispersion comprising:(a) a latex binder, wherein the latex binder comprises:(i) about 1-25% by weight of a monomer having latent crosslinking functionality,(ii) 0.1 to about 15% of an acid functional monomer,(iii) about 1 to about 25% ethylenically functional silica,(iv) and about 35 to 97.9% other monomers; and(b) an aqueous unsaturated silane treated silica dispersion, wherein the unsaturated silane treated silica dispersion comprises colloidal ethylenically unsaturated silica particles having an average particle size less than about 100 nm.