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A fungal infection of the fingernails is called onychomycosis. Crumbling and the deterioration of the fingernail are symptoms.

Here is the link to a presentation of what onychomycosis looks like. This link is to the DermNet NZ website.

http://dermnetnz.org/fungal/onychomycosis.html

If your fingernail condition matches any of these photos, you need to consult your physician. Treatment includes  antifungal medication.

Maryann