Nobody who has gone to college as you two have should be making the mistake I've pointed out above, especially one working in the financial field.
May be you need to slow down a bit ? This is an international forum, and English is neither the greatest language of all time, nor the most widely spoken one. Someone having deep knowledge in any field has absolutely nothing to do with English speaking/writing ability.
You are a valuable/respected member, so this sort of response from you is unexpected. Please reconsider.