Saprophytic fungi on soil surface = harmless. Scrape off, let top inch dry between waterings. No beverages/food in pot. Fungicide drench if persistent.
No cure, but almost always harmless. Prune below gall if unsightly. Otherwise ignore.
Normal sap exudate on healthy ficus. Do not remove.
Your tree is healthy (green leaves, new growth, minimal drop). The “problems” are cosmetic or benign. Focus on consistent care.
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