NOVELTY - A complex water-in-oil-in-water emulsion includes at least 40 wt.% hydrocarbon, 30-60 wt.% water, and 0.01-5 wt.% of a surfactant mixture comprising surfactant(s) from each of two types of surfactants. One type of surfactant comprises alkoxylated alkyl alcohols, alkoxylated alkyl monoesters, or alkoxylated alkyl diesters, and the other type of surfactant comprises ethoxylated alkyl amids.    USE - Used for fuel cell reformer start-up (claimed).    ADVANTAGE - The stability, complex water-in-oil-in-water characteristic and the observed unique freeze-thaw stability property are the features of the inventive complex water-in-oil-in-water emulsion that can result in unexpected enhancement in reformer performance compared to conventional simple emulsions.    DETAILED DESCRIPTION - A complex water-in-oil-in-water emulsion comprises at least 40 wt.% hydrocarbon, 30-60 wt.% water, and 0.01-5 wt.% of a surfactant mixture comprising surfactant(s) from each of two types of surfactants. One type of surfactant comprises alkoxylated alkyl alcohols, alkoxylated alkyl monoesters, or alkoxylated alkyl diesters, and the other type of surfactant comprises ethoxylated alkyl amids. The alkoxylated alkyl alcohols are of formula R-(CH2)n-O-(MO)m-H. The alkoxylated alkyl monoesters are of formula R-(CH2)n-CO-O-(MO)m-H. The alkoxylated alkyl diesters are of formula R-(CH2)n-CO-O-(MO)m-CO-(CH2)n-R. The ethoxylated alkyl amids are of formula R'-(CH2)z-CO-((CH2-CH2-O)x-H)(N)(CH2-CH2-O)y-H).    R = Me;    n = 5-17;    m = 2-50;    M = CH2-CH2, CH2-CH2-CH2, CH2-CH-CH3, CH2-CH2-CH2-CH2, and/or CH2-CH-(CH3)-CH2;    R' = Me    z = 5-20; and    (x + y) = 2-50.    An INDEPENDENT CLAIM is also included for the preparation of a complex water-in-oil-in-water emulsion comprising mixing the above specified emulsion components at 0.15 x 10 power -5 to 0.15 x 10 power -3 kW/L.    DESCRIPTION OF DRAWING(S) - The figure shows a schematic diagram of an improved fuel cell system where a start-up system is connected to a reformer.