Last year I shared some Hibiscus seeds from my Pink Swirl plant with a lady who lives in a town about 90 miles from here; so I have not seen the leaf of the plant except in a photo. Her question to me is, "What's going on with my Hibiscus?" She is wondering if Neem Oil will help it. I thought at first it was powdery mildew; but it doesn't brush off; it isn't raised; and she doesn't see anything underneath the leaves. I see that one of the leaves looks wrinkled. Can you identify the problem from a picture (2 views attached); and if it is something she can control or rid the plant of?

Didn't want to tell her about a homemade insecticide; since I don't know if it is an insect. Thank you so much!!



The next view is of the same plant; but you don't see white on the leaves. It does look crinkled or wrinkled to me.

The first picture leads me to believe it may be a leaf roller caterpillar. And by now it might be gone.

My first thought was possible thrip damage. Here are a couple of leaf photos showing similar damage caused by thrips:
http://ipm.uconn.edu/documents...
https://laidbackgardener.files...
https://www.canr.msu.edu/resou...

And the link to our database for Hybrid Hardy Hibiscus (Hibiscus Luna™ Pink Swirl)

The fact that it is limited to one leaf suggests to me that it is not a pest problem and can probably be ignored as long as it is not spreading.

I do observe that the plant has elongated (etiolated) stems that are a clear indication that it is getting far less than ideal sunlight.