Soilfloc is as slick as ice when wet on the bank. It sticks to everything, and is slimy and hard to wash off. It should be applied before any gravel, and allowed to settle before putting the gravel on top. I got it to settle better by throwing a handful of fine granular bentonite on top of it after each throw of part A, then part B of Soilfloc. I would advise waiting at least two days before swimming after it is applied. The best analogy I can make is it's like getting water resistant white glue on you if you get in the water too soon, or get it on you while applying. Wear long rubber gloves. It will gum up the gills of fish if applied heavily and directly on them.
