Suspended Algae Problem!

[linzld]

Here is what I have running in my 40 gallon tank:

4 X 24W T5 bulbs (there are two full spectrum bulbs, an actinic blue marine and another but I forget what it is called) for a total of 96W. Two of the bulbs I have had since I started the tank in January and I added the second set of lights in April. I was running them 12 hours a day but have been cutting back more and more as I have been unable to solve this problem. I have an Aqua Clear Powerhead that runs 270 US Gallons per hour. I put wool in the filter attachment last night to help manually remove some of the suspended algae. I also have a Koralia 400 GPH circulation pump. I have a Remora Nano skimmer and a hang-on refugium in which I have mineral mud and cheato and a mesh bag with carbon. I use tap water for my water changes.