INDUSTRIAL FILTERS, FILTER CARTRIDGES, AND FILTER ELEMENTS FOR REMOVING WATER AND SOLIDS FROM LIQUIDS OR GASES, COALESCER/SEPARATORS AND CARTRIDGES THEREFOR FOR SEPARATING WATER FROM HYDROCARBONS; COALESCING SEPARATORS FOR REMOVING OIL FROM WATER; HEATING, VENTILATING AND AIR CONDITIONING FILTERS FOR DOMESTIC, COMMERCIAL AND INDUSTRIAL USE