Flipin eck AB, you don't half ask some killer questions. I can't help you on the ladybird thing but may be able to help with the fingernail jobby.
Your fingernails and toenails are a continuation of your normal epidermis (skin surface) when you look closely at your skin surface you will see that it is a series of ridges (very obvious on your hands) The nail bed, which is the skin underneath your nail contains the same ridges/grooves. The nail grows from the nail bed and therefore continues the pattern. I never really noticed the ridges on my nails, but as the years go by I am noticing them more and more. My theory is that as you mature and your skin loses elasticity, your skin grooves become more noticeable (wrinkles if you prefer) The nail bed is no different than the rest of your skin therefore having a knock on effect on your nails.
Some cases of severe anaemia would affect your nails, making them pale with a spoon-like indentation, but this is pretty rare.
Hope this helps.
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