Thanks for answering Tom!! Now that I think about it, I have probably been watering it more often than that. I usually just touch the surface, and if dry, then I soak it. I have a feeling that it is not drying out enough between waterings, now that I have read that this is a common problem. I know that it doesn't have scale, and I have wondered if it has a fungal problem, because the mature leaves have a mottled black and green apperance before they fall off. Now even the new growth has turned brown and shriveled. I have tried to figured out how to post pictures on this forum, but can't yet
. I will work on trying to get you a pic. Another thought is, now that most of the leaves are gone, how do I prevent it from getting worse. I heard do not water AT ALL, while a plant has no leaves, keep it out of the direct light, and no feeding. I did take it back to the nursery, this was before it looked this bad, and showed them the leaves, and some of the leaves had a white powdery residue on them. They said it was from watering with hard water. There was also some mold growing at the base of the trunk, which they sprinkled some kind of organic substance that eats mold. They told me not to water it so much. I am kind of embarrased to bring it back now, it looks so bad. I will work hard on getting a pic on this evening. Thank you so much for helping me and my tree!!