I found this on the net ...some good info
Warts are skin growths caused by the human papillomavirus (HPV). There are more than 60 kinds of HPV, some of which tend to cause warts on the skin. HPV stimulates rapid growth of cells on the skin's outer layer. In most cases, common warts appear on the fingers, near the fingernails, or on the hands. Certain types of HPV can also cause warts to appear in the genital area.
Types of warts
Plantar warts: This type of wart usually appears as flesh-coloured or light brown lumps that are flecked with small clotted blood vessels that appear as tiny