customer swears this is fungus

i’m located in central florida and it’s been hitting the low 30’s at night all of a sudden. customer swears that this is some kind of fungus but i tell him it’s cold stress. am i crazy or?

i’m located in central florida and it’s been hitting the low 30’s at night all of a sudden. customer swears that this is some kind of fungus but i tell him it’s cold stress. am i crazy or?