Based on the US. RDI for 18 - 30 y.o. non-lactating female.

20% carbs / 45% protein / 35% fat

I changed the upper limit on niacin from 35 mg to 45 mg -- the upper limit is to avoid flushing (a side effect of niacin that seems to occur around 50 mg). If I take one vitamin pill in the morning and one at night, that should avoid any chance of flushing. Meanwhile, it's a water soluble vitamin (often prescribed in MUCH higher doses), so I'm not really worried about long-term effects. http://www.nlm.nih.gov/medlineplus/druginfo/natural/924.html

The upper limit of 1000 mg of folate / day is because too much folate can mask the effects of vitamin B12 deficiency (which can cause permanent nerve damage!!!). However, given that I'm getting about 250% of my DRI of B12, I'm not that worried about it :) http://www.livestrong.com/article/425658-can-i-overdose-on-folic-acid/

Uh oh -- here's a different opinion: "High doses of folic acid might cause abdominal cramps, diarrhea, rash, sleep disorders, irritability, confusion, nausea, stomach upset, behavior changes, skin reactions, seizures, gas, excitability, and other side effects.

There is some concern that taking too much folic acid for a long period of time might cause serious side effects. Some research suggests that taking folic acid in doses of 800-1200 mcg might increase the risk of heart attack in people who have heart problems. Other research suggests that taking these high doses might also increase the risk of cancer such as lung or prostate cancer." http://www.webmd.com/vitamins-supplements/ingredientmono-1017-folic%20acid.aspx?activeingredientid=1017&activeingredientname=folic%20acid

"Folic acid overdose is not known to have any deleterious effects on the human body. An overdose is also rare because the body may eventually excrete the high amounts or excess of folic acid. However, consumption of high doses (above 1,000 mcg) over a long period of time can result in some problems. Some of the symptoms of folic acid overdose are as follows: Diarrhea; Insomnia; Digestive problems (such as nausea or gas); Rash; Zinc deficiency; Numbness in the mouth or tongue; Fatigue; Inability to concentrate; Psychotic behavior; Bitter taste in the mouth; Irritability, excitability, or hyperactivity; Reduced appetite; Depression; Seizures; Allergic reactions like swelling on face, throat, lips or tongue.

Moreover, high doses of folic acid can also mask a vitamin B12 deficiency. Folic acid from the supplement will treat the anemia caused by the vitamin B12 deficiency, however, the nerve damage associated with the deficiency will go undetected. An overdose of folic acid is also seen to inactivate the effect of anti-epilepsy medication. This means folic acid is indirectly harming the body, by not allowing the detection of another deficiency. High dose of folic acid is also feared to increase risks of heart attacks in people with heart diseases." http://www.buzzle.com/articles/folic-acid-overdose-symptoms.html