NOVELTY - A delivery system complex comprises a biodegradable ionic precipitate containing a bioactive compound, where the biodegradable ionic precipitate is encapsulated by a liposome. The biodegradable ionic precipitate comprises calcium phosphate.    USE - As delivery system complex for delivering bioactive compound (where the bioactive compound is gemcitabine monophosphate (claimed), or drug (e.g. antimicrobials, antibiotics, antimycobacterials, antifungals, antivirals, neoplastic agents, cardiac drugs, adrenergics, antihypertensive agents, cholinergics, anticholinergics, antispasmodics, antiulcer agents, skeletal and smooth muscle relaxants, analgesics, narcotic antagonists, antitussives, non-steroidal anti-inflammatory agents, steroidal anti-inflammatory agents, antioxidants, vaso-active agents, bone-active agents, antiarthritics, and diagnostic agents)) to cell, tissue or particular physiological sites; and for treating diseases or unwanted conditions in a subject such as cancer (such as bladder cancer, brain tumor, breast cancer, ovarian cancer, pancreatic cancer, prostate cancer, renal cancer, and thyroid cancer), infectious diseases, inflammation, and cardiovascular disorders.    ADVANTAGE - The delivery system complex has a diameter of less than 100 (preferably 25-30) nm; has a zeta potential of +40 mV, or -14 to -20 mV; can specifically target the bioactive compound to diseased cells; enhances the effectiveness and minimizes the toxicity; exhibits reduced uptake by the reticuloendothelial (RES) system in the liver when administered to a subject as compared to non PEGylated delivery system complexes; and develops new and effective means of delivering macromolecules (such as proteins or nucleic acids as therapeutic agents) to their appropriate cellular targets.    DETAILED DESCRIPTION - An INDEPENDENT CLAIM is included for making the delivery system complex, involving mixing a liposome and an aqueous dispersion of a biodegradable ionic precipitate comprising a bioactive compound, where the liposome comprises a cationic liposome and the biodegradable ionic precipitate has a negatively charged surface, or where the liposome comprises an anionic liposome and the biodegradable ionic precipitate has a positively charged surface.