). I also pulled off any leftover dead flower petals since they looked like an invitation for fungal infection.Of course I got better at telling which immature apple will come off as I went along and had to go back and re-do the whole tree. There were some oddly curled leaves that contained caterpillars or aphid colony which of course I put in the handy plastic grocery bag I was using for all debris, and I picked off any Cedar Apple Rust spotted leaves -- not many yet.
All this individual leaf and fruit inspection gave me some good ideas about what needs to be pruned when the time comes. There was a limb with fruits that were too high, but I managed to bend it down with a rope and a piece of old garden hose (there was one handy, removed from another tree), so that'll get trained. I think I'll do the same for a couple of other branches too.
So tomorrow, spray with Surround and also apply a layer of compost.
-- I added the milk to the Surround solution. The clay provides the sticking agent for the milk... or the milk provides the sticking agent for the clay. Perfect!
... even though I only aimed for the fruit clusters, there were good amount on the foliage too. Oh well. I seriously worried that I put too much on....
About 20% are still heavily coated. 
Coverage of the uppermost foliage and fruit are looking sparse as may be expected after the beating rain.
