Thanks Pinball - I do have some bone pain in my left foot but no problem w/toenails.
Some numbness in feet too which I attributed to Diabetes.

No problem with the other 3 symptoms.

But it does sound like I may need more Vit B12.

DRAT!
Thanks Cookie - Looks like the Vertical Ridges picture.
Some of those pictures on that sight are truly gross; thank God mine don't look like those.

They really grossed me out!!!!!!!
I am age 75; I guess could be some iron deficiency tho I eat lots of iron type foods.And again you mention
Vit B12. I do have some arthritis in knees.
No worry, I don't do expensive nail treatments. I'll try your olive oil suggestion. Next Dr visit I'll ask for tests
for Iron & B12.
Thanks both of you for your imput.

Greatly appreciated.