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There's a lot error built on error, there.
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Aza does not affect only the larval stage. It affects ANY stage, where ingestion occurs. Some insects may only eat at the larval stage. i.e., caterpillars. Others, such as whitefly, actively feed at all stages. The point is to kill or maim the primary recipient. Secondly - the soap in the Neem is an emulsifier, and does not (necessarily) kill on contact. When you have emulsified something in soap, it's no longer just soap. Nor is it just oil. You want soap to work like soap, use it straight. Same with oil.  Put them together, and you have a different weapon. Thirdly... Even if you kill some stuff on contact, what does that matter when the next batch comes crawling, creeping, dropping, or flying in? Soap and oil that coat the main offenders, are completely useless against the ones that weren't there during application. Enter the active ingredient...
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Last, but certainly not least... When you have conquered the offenders, Aza is a fantastic repellant. It isn't permanent, and it doesn't last long. But it's better than almost anything you'll get, without applying something that would repel you, too. I have had plants that are whitefly free for months after, and aphids are a complete non-issue in my garden, except for the first wave in the spring...