Emulsions of water in as-recovered native crude oils of diverse geographical origin evidently possess some common morphological features. At low volume fractions phi of water, the viscosity behavior of emulsions is governed by the presence of flocculated clusters of water droplets, whereas characteristic tight gels, composed of visually monodisperse small droplets, are responsible for the viscosity anomaly at phi approximate to 0.4-0.5. Once formed, small-droplet gel domains apparently retain their structural integrity at higher phi, incorporating/stabilizing new portions of water as larger-sized droplets. The maximum hold-up of disperse water evidently is the close-packing limit of phi approximate to 0.74. At higher water contents (up to phi approximate to 0.83), no inversion to O/W morphology takes place, but additional water emerges as a separate phase. The onset of stratified flow (W/O emulsion gel + free water) is the cause of the observed viscosity decrease, contrary to the conventional interpretation of the viscosity maximum as a reliable indicator of the emulsion inversion point.