Beverly,

Just gonna guess you've checked for bugs, but look to be sure, especially double check for scale, which often seem like they're a part of the scheff, only they don't belong. They are circular, rounded, brown bumps, almost kind of shiny (on trunk, branches, stems, leaf and underside of leaf).

I'm wondering about something else though; push your finger all the way into different areas of the potting mix, including around the edges of the pot, as far in as you can. Just thinking the symptom sorta sounds a lot like what happens to mine when it's getting really pot bound. To me it's a biggy, beefy, very, very incredibly heavy scheff, and right now is badly pot bound with its leaves going like yours. Beverly, maybe the symptom just only sounds a lot like what yours is doing. I could be way off about that pot bound stuff, lol.

Write back on how long you've had the Scheff, and how big is the pot ...what kind of pot is it, and how long has it been in that one? Sorry about all these questions, but also, is the pot situated directly to the earth? And, well actually three more: what have you noticed about its watering needs, what is its sun situation, and write about any info you can about its fertilizer. If you have photos to post, one showing close-up of leaves, one showing full size of scheff and pot, and then one of its potting mix, that'd be a terrific. Then the experts can better chime in their advice. Three cheers for the experts! :o)

Just in case you need this:

Here is a link that might be useful: Solstice's super duper photo posting info