DEAR GURUS, MODERATORS AND FRIENDS, SPECIALLY VINNY, AMBER, SSWZ,AHYANG0129 & AZKA... AS ALL OF YOU KNOW I'M A LONG TIME MEMBER OF THIS FORUM & I GOT MY ILR END OF FEBRUARY 2014. THIS FORUM IS SO HELPFUL. EVERYONE IS HELPING EACH OTHERS & THAT'S THE SPIRIT OF THIS FORUM. AFTER READING EV...