Hi- I have had fever and chills this week, mostly gone now except at the end of the day. I had a hard cough Monday that has now progressed to a more phlemy cough, but my concern is I feel fluid in my lungs, mostly at the bottom of my right lung, in the back. My husband said he could feel it too when I took a deep breath. Should I assume this is serious like pneumonia? I am 52, thin healthy, runner, non smoker.