Sue, you don't have much of a fungal coat, but I am sure you are fine.
Here are some tips on how to get an awesome fungal coat, at least it works for me.
1-Extract your seeds from the tomato
2-Include chunks of the tomato and squeeze the juice out.
3-Never ever add water unless absolutely necessary
4-Try to ferment in a controlled temperature of around 80 degrees give or take a few degrees
5-Never ever cover the container the seeds are fermenting in
6-Do NOT stir or swirl until you have a fungal coat, sit on your hands if you must
7-After you see a fungal coat then you can stir
Doing this I have been getting really nasty fungal coats in about 36 hours ,the kind where it looks like you added cotton balls to your jar.Good Stuff
I let it ferment for another day stirring and swirling at will
And Carolyn, I think we agree on most of these points