A 62-yeаr-оld pаtient presents with cоmplаints оf fatigue, pallor, and occasional shortness of breath. On examination, he has pale conjunctiva and mild glossitis. A CBC reveals the following results: Hemoglobin: 8.5 g/dL MCV: 115 fL WBC: 3.2 x 10⁹/L Platelets: 95 x 10⁹/L Reflex Tests Ordered: Serum Vitamin B12: Low Serum Folate: Normal Serum Iron: Normal Bone Marrow Biopsy: Hypercellular with dysplasia in all three cell lines. Based on the clinical findings and laboratory results, which is the most likely diagnosis, and what features differentiate this diagnosis?