What's eating my navel leaves?
I planted this tree in a sunny spot about a year ago. It's been doing pretty well overall, but over the last few months I've had my leaves start looking like this. I've looked for catepillars and other pests on the underside of leaves and haven't found anything.
The tree has recently started to flower (first time), but I'm getting concerned about this leaf pattern which is on about 30-50% of the tree. Any thoughts? Any suggestions for pesticides (prefer natural remedies).