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No. Stearic acid is not an emulsifier.
Well, that depends on what else is in your formula. See this discussion.https://chemistscorner.com/cosmeticsciencetalk/discussion/417/stearate-base-emulsionand this one...https://chemistscorner.com/cosmeticsciencetalk/discussion/1605/stearic-acid-neutralization-in-emulsions
Don’t forget preservative and tocopherol. Natthinking has both in section preservatives. And glycerin.
For emulsifier, what about this combination?Beeswax 7.8%+0.2% Borax & Lecithin 1%NO! It's out of the dark ages. Use something modern.
I listed two very good emulsifiers above. Beeswax isn’t an emulsifier. If you want to make it cheap to show students how to make a cream get emulsifiying wax with cetearyl alcohol and PEG-20 stearate for 6 pounds from Amazon. The combination of Beeswax+Borax, not beeswax alone, is effective in emulsifying. In this case, I am going to try the two options you suggested.I really appreciate your responses. Very helpful.Sorry I am bothering you with too many questions Regarding HLB value, after calculating the required HLB of the oil phase, which option do you recommend?1- Choosing emulsifier(s) with HLB value close to this calculation2- Choosing 2 or more emulsifiers which cover two ranges, below and above of this value.