First of all, it may not have been a clown at all that she saw. I am thinking that it is very likely what she did see, but I can't be positive until she gives more of a description. A black ghost will not need a 100 gallon "in a year or so". Maybe two years, but more like 2, 3, or even 4 or more years from now. They grow VERY slowly. An African would be fine in a 25 for life. They are not terribly active, and are very small when at adult size (8"). Their wild maximum size is 11", but they've never gotten that large in tanks, and I doubt that they will. And no, no knife should be or could be kept in brackish water for elongated periods of time. And if it is a clown, you'll need a tank about 7 times larger than a 25 to house it (i.e. a 180).