Betta is lethargic, won't eat, and isn't moving much

[sainthogan]

The gold on her head could be part of her coloring, but since she's kind of a red color, you wouldn't be able to see it very well on the rest of her without a flashlight. It might help if you turn all the lights off, and then look at her with the flashlight.

[MadameDesu]

Here's a picture I just shot of her with a flashlight on her.
If she does have velvet, then it's ALL over her head.