No, you won't see the critters.  What you can do is smash some of the white
stuff between your fingers.  If it winds up sticky--it's spider mites.  You
don't see them because they are so tiny--mites! 

You can get a magnifying glass and watch them move, sometimes.  The white
fuzzy stuff is a waxy coating so they are impervious to a lot of
things--that's why it takes a heavy stream of water to 'blow' them off or a
physical wipe with a wet cloth.  

It could be something else, like powdery mildew, but if only on the
underside of the leaves it's usually spider mites.  If even on plant had
them where you got the tree they spread from plant to plant.  When they get
really badly infested they'll start showing up at leaf junctions too.  

Samala,
Renee 
 
 
 
 
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I can't see any critters with the naked eye.  Just white stuff.  It is mostly 
on the bottom sides of the leaves though.  I suppose I could hose the tree.