Thats how I got the smudge in the first place, I was doing close-up waterfall shots and a spec of water got on the lense. I let it dry n shit and then I go to wipe it off and it gets worse. BTW, I was using Olympus lense cloths. I was trying to be delicate as to not scratch the lense. But the smudge ended up moving to the outside radius of the lense. Now, I don't want to try too hard as to not scratch the lense.