Hi MJ,
If I’m not mistaken, those horizontal ridges are Beau’s lines. They occur when you’ve had a bad bout of illness. I recall those being mentioned on the forum before, here’s the post:-
http://prettyill.com/forums/viewthread/14/P45/#2112
Hey your fingernails look like mine! I also get small roundish pale coffee coloured marks on my nails – weird.