That's fog, all right. My money is on heat, too. I have developed negatives exposed 25 years ago with results ranging from very good to excellent. On the other hand, I once got fog as bad as yours on a negative that had just been bought and wasn't even near its expiration date. Who knows how it had been stored in the shop...
Though I don't have solid data to support this, I believe that storage under hot conditions does much more damage to a film than age does.
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