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A white or light yellow mold-like growth may indicate the presence of a saprophytic soil fungus, a fungus that lives on dead or decaying matter. The fungus will not harm the plant but may indicate unsterile potting medium or an overwatered plant. There is more info here if the yellowing is not "mold like". http://www.ag.ndsu.edu/pubs/plantsci/landscap/pp744w.htm
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