Okay, thanks everyone for the replies!!
I'll have to see about the worm thing.
As for her udders, I have a thing about udders and hers is always clean. I clean out the dirt build up every time I groom her.
So we can rule out dirty udder.
These pictures are from Novemeber/ December-ish. Since these were taken, the tail hair has grown back a bit and she's stopped rubbing off the hair there. It's now the spots on her butt. The skin is flaky, too. She likes it when you scratch it for her. Lol.
I think it's just that her skin is too dry. Does anyone have any ideas for moisturizing? MTG got the hair on the top of her tail to grow back. It's about two inches or so?
"I was eight years old, and I've never forgotten her face when she told me about watching you ride. She told me she saw you, and your horse was dancing in the moonlight."
-- A.C. Crispin's "Sylvester"