Al, I try to respect everyone that I come in contact with. In my opinion, we all have something to share when it comes to experiences growing plants. I've owned and operated a tropical plant nursery for 5 years, five years in Mississippi and five years in Vero Beach, Fl. I'm a Master Gardener and Mississippi Master Gardeners made a twice a year pilgrimage to my home and nursery. I was their go-to guy when it came to growing and propagating tropical plants. I've advised people in every state in the Union how to grow and propagate plants], many thousands of folks. My initial interest and then expertise was in orchids, but when I moved to Vero Beach five and one-half years ago, I got very serious growing and propagating plumeria. Orchids and plumeria are still my main interests, and I'm pretty darn knowledgeable about those two genera. When I'm asked for help, just like you, as often as not, I ask for more information. That's always been key to giving advice. But this particular question and accompanying photograph was plenty of information for me to make a "diagnosis". Again, my advice is always based on my own experiences. But because I've grown tropicals in both a temperate as well as a subtropical climate, and done so for many decades, my experiences are pretty broad. In medicine we call this anecdotal data or anecdotal evidence.