Q.chrysanthemums winter
In the article they say cover the chrysanthum with mulch..
my question is do we cover it completely or just above the ground ?..if you have photos wiuld appreciate or else i wont mind explanation also…thanks you so much..and am sure this site help a lots newbie gardener to be a great gardener…?????

Mulch the soil surface only, not the plant. Keep the mulch a few inches away from the stem where it enters the ground, so there is no mulch up against the stem.
https://www.gardeningknowhow.com/garden-how-to/mulch/spreading-mulch-in-gardens.htm