Hi everyone! Glad to be one of the members in this friendly forum. I joined Dec last yr but been quite busy of work and review for English exam so wasn't be able to post here to introduce myself but not too late I think Btw, I'm Joy and been married for 5 mos to my amazing Scottish husband. I able to get my cfo certificate and took my exam last wk through the recommendation of the helpful members of the forum. Big thanks to the people who are the author of this forum