DESPERATE need of help for PHP Mailer

I have to files: index.html and mailer.php The codes are below. Can anybody please tell me what’s wrong with them? Why can’t I receive the email with the postings!!! Please help, I’m going crazy.

INDEX.HTML
<form method=“POST” action=“mailer.php”>
First Name:
<input type=“text” name=“name” size=“10”></input>
M.I.:
<input type=“text” name=“name” size=“2”></input>
Last Name:
<input type=“text” name=“name” size=“10”></input> <br />
Address:
<input type=“text” name=“email” size=“29”></input><br />
City:
<input type=“text” name=“name” size=“10”></input>
State:
<input type=“text” name=“name” size=“2”></input>
Zip Code:
<input type=“text” name=“name” size=“5”></input>
<br />
Home Phone #:
<input type=“text” name=“name” size=“13”></input><br />
Work phone #:
<input type=“text” name=“name” size=“13”></input><br />
Cell phone #:
<input type=“text” name=“name” size=“13”></input><br />
Best time to call:
<input type=“text” name=“name” size=“13”></input><br />
E-mail address:
<input type=“text” name=“name” size=“29”></input><br />
Purpose of the Loan <select size=“1” name=“drop_down”>
<option>Please Select </option>
<option>purchase</option>
<option>refinance</option>
<option>remodeling</option>
</select><br />
Property Value: $
<input type=“text” name=“name” size=“13”></input><br />
Loan Amount you’re applying for: $
<input type=“text” name=“name” size=“13”></input> or % down payment<input type=“text” name=“name” size=“13”></input><br />
Do you have a co-borrower?
<input type=“radio” value=“yes” name=“radio”></input> YES
<input type=“radio” value=“no” name=“radio”></input> NO
<br />
In which state are you looking for a loan?:
<input type=“text” name=“name” size=“2”></input>
<br />
Do you currently own any real state?
<input type=“radio” value=“no” name=“radio”></input> NO
<input type=“radio” value=“yes” name=“radio”></input> YES, I own <input type=“text” name=“name” size=“3”></input> properties <br />
How is your credit?:<br />
<input type=“radio” value=“Excellent” name=“radio”></input> Excellent<br />
<input type=“radio” value=“Ok, but some problems” name=“radio”></input> Ok, but some problems<br />
<input type=“radio” value=“Major Credit problems” name=“radio”></input> Major Credit problems<br />
<input type=“radio” value=“Don’t know” name=“radio”></input> Don’t know<br />
<br />
Questions:<br />
<textarea rows=“9” name=“message” cols=“30”></textarea><br />
<br />
<input type=“submit” value=“Submit” name=“submit”></input>
</form>

MAILER.PHP:
<?PHP
$to = "lacluna@yahoo.com";
$subject = “Results from your Request Info form”;
$headers = “From: Form Mailer”;
$forward = 1;
$location = “http;//www.mortgagelendingstore.com”;

$date = date (“l, F jS, Y”);
$time = date (“h:i A”);

$msg = "Below is the result of your feedback form. It was submitted on $date at $time.

";

if ($_SERVER[‘REQUEST_METHOD’] == “POST”) {
foreach ($_POST as $key => $value) {
$msg .= ucfirst ($key) ." : ". $value . "
“;
}
}
else {
foreach ($_GET as $key => $value) {
$msg .= ucfirst ($key) .” : ". $value . "
";
}
}

mail($to, $subject, $msg, $headers);
if ($forward == 1) {
header (“Location:$location”);
}
else {
echo “Thank you for submitting our form. We will get back to you as soon as possible.”;
}

?>