50-PERCENT OF ELDERLY HAVE LOW SERUM HOLOTRANSCOBALAMIN-II (B12-TC), DIAGNOSING VITAMIN-B12 MALABSORPTION - 60-PERCENT OF THIS 50-PERCENT ALSO HAVE HIGH SERUM HOMOCYSTEINE - ALL WITH RED-CELL FOLATE GREATER-THAN-136 NG ML - GIVING ELDERLY 25-100 MICROGRAMS ORAL FREE CRYSTALLINE B12 DAILY WILL SAVE BILLIONS OF DOLLARS/