Pachira aquatica (money tree) with gnats, curling new leaves, and brown spots signals poor drainage and overwatering.
Curling = underwatering (roots dead) or low humidity. Brown spots = edema (water pressure) or fungal. Both improve with correct watering and light.
Return to IKEA (best) or drill 4–6 holes (diamond bit).
Fix the root zone; the canopy follows.
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