Oh no... after searching for images of dinoflagellates, seems like that's what I have in the tank. Bad news. I thought I was doing well, using RO/DI water, chaeto in the fuge, 10 gallon water changes each week, skimming constantly, changing filter socks twice a week, new 20K bulbs on for 6 hours/day, and using ROX carbon inside a media bag in the sump (added this week). Will try siphoning it out, and will research the dinoflagellate issue further.