Warts are fungal in classification caused by a virus usually found on the extremities. These verruca vulgaris like areas that are prone to moisture. Hands/fingers get wet more than any other area on a regular basis and are a good source to root in! People who have diaphoresis, profuse or excessive sweating, could very conceivably develop warts on their necks, as their shirt collar would help keep the neck area moist and perfect for the growth of these horny projections on the skin.
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