Thanks for all the answers guys.

I've seen those white spots that appear on the nails from time to time and they are usually caused by a trauma to the nail bed as it is growing out. Mine have had no trauma that I know of. Whatever happened, happened in a short time. Only a couple of months. It takes a nail a year (more/less) to grow from the roots to the end of the toe.

I've decided not to guess this one and just keep this appt with the dermatologist. Dang, hate to give up my pink toes but will have to. And dang, my social calendar is sooo full. It is probably a fungus, my guess.

Billye