A method of forming an oil in water microemulsion includes the steps of providing at least one non-ionic ethoxylated surfactant, providing an oil and mixing the surfactant and the oil to form a microemulsion. The surfactant can be selected from the group of alkyl phenol ethoxylates, where the alkyl group contains 8 to 12 carbons and the ethoxylate contains an average of 4 to 12 ethoxylate groups. The surfactant can be a nonyl phenol ethoxylate. An oil in water microemulsion includes at least one non-ionic ethoxylated surfactant and at least one oil. The surfactant can be a single surfactant or a mixed surfactant. The oil can be derived from at least one tree, preferably from as the Neem Tree.