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So how screwed am I? (or, what is this?)

Doesn't look like fungus, but rather like a water spot left over from water drying on the lens elements. If it makes your pictures noticeably soft you could take apart the lens and clean that particular element.
 
It could also be where some substance has compromised the lens coating. The streak shape would suggest a liquid smear that dried on the objective lens. What shows in pics of a solid background?
 
don't see any noticeable effects, at least to my untrained eye. is there a picture i can take to see if it's affecting? and it's definitely on the inside of the lens :\
 
Your photo looks like it is a smear on the outside of the lens. Such a smear is physically unlikely between lens elements. If you take pictures of clear blue sky and wh9ite walls, and nothing shows, it does make me lean towards a smear in the external coating on the objective lens. This is then a good illustration of the need to always have a UV or ND filter on the lens. Can you have it looked at by a good local tech in a camera shop?
 
FBB was talking about how easy it is to take off the first element in a lens

No, actually it's quite difficult for the vast majority of lenses because the front retaining ring that holds the front element in place usually requires special tools to unscrew - these usually are spanners and/or rubber friction-type tools.

On the Minolta, you need one of the rubber things to unscrew the front ring:

http://www.pbase.com/pganzel/disassembly_repair_of_maxxum_50mm_lens

http://www.pbase.com/pganzel/image/35488690

The Tamron 17-50mm is the exception though. No special tools required.
 
No, actually it's quite difficult for the vast majority of lenses because the front retaining ring that holds the front element in place usually requires special tools to unscrew - these usually are spanners and/or rubber friction-type tools.

On the Minolta, you need one of the rubber things to unscrew the front ring:

http://www.pbase.com/pganzel/disassembly_repair_of_maxxum_50mm_lens

http://www.pbase.com/pganzel/image/35488690

The Tamron 17-50mm is the exception though. No special tools required.

Ah thats it, you posted on one of these threads about taking apart the front of your Tamron 17-50mm in 20 mins
 
To the OP, like others mentioned, the smear isn't fungus. Fungus will appear more as a cloudy film over your glass elements. Yours looks like a fluid smear of some sort, either water or oil. If it is not affecting the photos then I wouldn't worry too much about it, but judging from the disassembly guide that I linked to, popping off the front element to clean behind it will be dead simple if you can find a rubber tool like the one shown to twist off the front retaining ring.
 
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