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No idea what is causing this but it has been very rapid! I suspect a boring beetle infestation of some sort but how to treat?

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    Hi Lindsay, you can help us by editing your question to add your location and if you know what kind of tree it is.
    – kevinskio
    Jul 13 '20 at 14:40
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It is larva eating the live layer of bark ( cambrium ?). Not fungus. Borers go into the wood and generally leave only a small hole in the bark.

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