OK - after reading some other blogs, I went back and wiped off the top of the leaves and the spots came off. Also, here are some pics of what's going on now. I flushed the plant that was kinda droopy - I suspect too many nutrients in the soil.

Also, due to the low humidity can my soil be drying out quicker than usual? It seems like my soil goes dry under the surface every 2 days or so.

My reversal of the inline fan (pushing cold air rather than trying to exhaust the hot air) seems to be working too well. The thermo/hygrometer (located on the wall directly behind the plants) is reading 79 degrees F/31% humidity.

I also placed the fluorescent directly over the tiny plant - it is resting about 1 inch above the seedling. Pictures below -->