Well, well, Mona took one look, smiled and told me a small cutter bee was making baby blankets out of my redbud tree! She said once she gets done doing that, she will come back and clean up the bugs to feed to her children. After reading the info on that link, I am not going to do anything except maybe put some cheesecloth over the tree for a little bit. It's odd that she hasn't bothered my roses at all.
The sunflowers are being eaten by a teeny-tiny caterpillar that eats the underside layer and, if they eat it a little too thin, then the upper layer collapses and makes it look as though it is eating holes in it. She said any vegetable garden pyrethrin would take care of that.