ROFL... gawd I love the vet's response to Susan's dad, that HE gave it to the dog. You've just gotta love vets. Vets and Firemen... the universally adored occupations.
Yup. Just a fungal infection. Super contagious. You'll need to wash your sheets every day, as well as any clothes that touch it, and avoid wearing jewelry that touches it... or you'll just get reinfected. A simple fungal cream will usually take care of it, although you can get an Rx cream from your doc. It will *probably* spread to everyone in your family.
One trick we used in the south, was to put the cream on, and then tape cling wrap over it... both to keep the cream from being rubbed off, and to avoid transferring the fungus to anything else. You DO need to let it air out from time to time throughout the day, though, or you'll have more problems.