Richard, I think the Phylliscum may be ok, but the general color in the photo is rather brown, and Phylliscum is usually closer to black. Also the photobiont sheaths are often reddish, rather than yellow as in your photo. So perhaps it is something else. The section of the squamule does suggest it might be minutely umbilicate.
On the other one -- I would guess that is an incipient apothecium of Aspicilia. Infuse a little HCl under the coverslip and see if it turns greener. Unless you can find spores and/or spermatia, it will be tough to name.
