Close on the "silvering" description. What causes a decal to "silver" is when the surface is not completly smooth and air is trapped underneath. Your seeing light reflected from millions of tiny microscopic hills and valleys being reflected up into the clear section of decal film. That's why military modelers gloss coat tanks and planes before decaling and then dull coat afterwords. Yes, Future Floor Wax is great as a top coat as it is just a clear acrylic. It provides a great base for decals.