Sounds like you are nearing the end of fermentation.
As for the yeast you saw, it's hard to say without a picture, but generally I see patches of yeast on top of my beer for a few days after the foam has subsided. It falls down eventually. Perhaps that is what you are seeing.
As I'm sure you've seen on the forum, hydrometer readings are the only real way to judge the progress of fermentation and when it's done. Fermentations from one batch to the next may differ, so you shouldn't go by visual clues alone.
I'm glad HBT has been helpful for you!
On Deck: Jamil's Vanilla Robust Porter
Fermenting: Orange Blossom Mead
Kegs: Element 56 Pale Ale, Ron's Belgian Blonde, Summer'n Saison, Furloughktoberfest '09, Grateful Pale Ale, Sam Adams Cream Stout Clone, EdWort's Apfelwein