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Hello, we have owned our carmine microphlla bonsai for a couple or months now. Only recently I have noticed a green and white mould looking area developing within the soil. Researching online it suggests that it is over watered. Is this the case? Or is this sort of fungus healthy as other websites suggest. Also any suggestions on what to do if this is this case. We have been enjoying looking after it and really dont want it to die.

Many thanks

Becky