I really know nothing about gardening. Indeed, we only have a balcony
and it only currently has two plants - a bonsai lemon tree and a mini-
palm. Now I say mini-palm because I actually have no idea what it is
really called. A photo of it is at http://www.brookwade.com/palm1.jpg
..

We've had this plant/tree for a few years but recently a white growth
is appearing on the trunk. It appears to be a fungus but, as I say, I
have no knowledge whatsoever. Photos of the problem:
http://www.brookwade.com/palm2.jpg
http://www.brookwade.com/palm3.jpg

Does anyone know what this is and what I can do about it? Can someone
tell me what my plant/tree is actually called?!

Many thanks,

Paul