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Rusavskia elegans, probably my favorite lichen.
(i.imgur.com)
Found growing on concrete but I also often find it on metal. Anyone have any idea why it was changed back to Xanthoria elegans in Macrolichens of the PNW?
I'm in Canada but I have used this website before because they have a good section on morphology (for beginners at least). I cannot speak to the species info though.