About a week ago one of my goldfish started hiding in an ornament, sitting on the bottom of the tank. His top fin has been closed to his body. He comes out to see me when I go over and always comes out for food. I just thought he'd been scared into hiding from my cat who has developed an obsession with them and plays with them through the glass. Anyway last night I did a usual 25% water change and he had a white cottony fluff on his tail and all his fins were close to his body so now thinking something more serious is wrong. The other fish seems fine. I keep a check on the levels in the tank and amonia has been 0.25 and nitrate between 10 and 20.