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Well, I did the filters myself. I was right, one of the plastic tabs on the 1st cover panel was broken, probably from aged plastic. Here are the pictures. The 1st cover panel is purely decorative, the 2nd one contains both the filter housings, it sits on 4 metallic clamps, just lift/push it down. I am installing BECK/ARNLEY filters, which I got at RockAuto for a whopping $3.56!!!!!