C.M.
Relax. It's not as bad as it may seem. My son has had ringworm a couple of times, and I even had it once (separate form from son's incidents). Both his pediatrician and my doctor recommended OTC anti-fungal creme. It cleared it up just fine. I know that for daycare, they required the area to be covered, which you may want to do for when she goes to school (but leaving it uncovered any other time.) Also, I never did the whole, washing everything down thing and it didn't get passed around.