I’ve purchased this Chinese Elm about a week ago, and I noticed some of the leaves had some black spots on it. I thought, okay, I need to cut them right away and I need to get a fungicide, but it took me a week to even try to find the best fungicide for my bonsai. I have found that emulsifying, and diluting neem oil, and using it each week helps, there are specific steps to make that formula and I’ve bought silica to emulsify the neem oil, and I will dilute it a lot. But I want to know what the problem is with my bonsai, I’ve cut too many leaves away from it and it makes me sad to see it like this... I noticed mould on the soil as well, which I think It’s from overwatering it, so I stopped giving it water too frequently too. Please help me, I’m so clueless about what’s going on with my bonsai...I have attached a picture of my bonsai, a picture from the soil in which the roots are visible, and a picture of the affected leaves, as well as ones that I have cut just today.