>How do I know whether it is really a fungus or not?  I don't live in a
hot
>humid climate.  I have seen many people with this problem.  Anyone have
any
>ideas?

This same doctor, worth his salary, can take a tiny scraping of skin
cells from the area and look at it under a microscope.  If there is an
infestation of some sort, he should be able to see it.

Patty