THE TESTIMONY OF A HANDWRITING EXPERT, WHILE USEFUL, IS NOT INDISPENSABLE IN EXAMINING OR COMPARING HANDWRITINGS OR SIGNATURES (Progressive Trade & Service Enterprises v. Antonio, G.R. No. 179502, September 18, 2009, 600 SCRA 683, 689.) (EQUITABLE CARDNETWORK, INC. VS. JOSEFA BORROMEO CAPISTRANO, G.R. NO. 180157, FEBRUARY 8, 2012, ABAD, J.).