wormmy S damage is CLM (citrus leafminer). but they are in dormant right now.

The cottony stuff is likely young woolly whiteflies.

See http://www.ipm.ucdavis.edu/PMG/PESTNOTES/pn7401.html

Here is a link that might be useful: whiteflies in CA

Whiteflies and leafminers. Whiteflies are on the underisde of the leaves, so sometimes you don't notice them until they get bad. They won't kill the tree, but they do cause damage to the leaves.

Here is a link that might be useful: Citrus pests

Thank you to everyone who answered my questions. This is such a wonderful forum. I will post back a follow up on how the tree is doing. In the meantime, wanted to say how much I appreciated the help.