Right on one species in general but wrong in your method of thinking for first your the bright golden/yellow phase and then your the bright phase with one or so dark spot markings as then your the brownish color phase as well. The Banana Moray as you mention is actually a Gymnothorax miliaris, only yellow phase as you may know. But many are misidentified for as well, there happens to be another type of eel which grows 2' and happens to be solid yellow, only it has a few dark brown markings which one could tell it apart from the others. I also not believe that when those who say their a dwarf golden moray by only saying its a golden moray for their not saying goldentail so it can be understood that those meant their a dwarf golden moray for sale, they were just unprofessional in their proper naming of the eel. And also with the brownish color phase, there happens to be a few other colors in between the golden/yellow phase to the brownish phase.