2 ISps and 1 LAN load balancing

Any help and advice will be highly appreciated.
I have two ISPs and one LAN in our office.

i saw this http://wiki.mikrotik.com/wiki/Load_Balancing_over_Multiple_Gateways in the wiki and is close to my case .

same gateway 192.168.99.1
same netmask 255.255.255.0

here is what i want to do
our office computers will use 192.168.99.0/27 and connect (ISP1)
while our neighbours will use 192.168.99.32/27 and connect to (ISP2)

secondly, our office 192.168.99.0/27 can switch to ISP2 if ISP1 is down or too conjested and same applies to our neighbours.

i tried doing what i saw in the above link i pasted but all traffic is going to ISP1

[b NOTE that ISP2 is a 3G usb internet modem (huawei) connected via ppp client[/b]

Thanks.

You need to setup policy routing. Try these links.

http://blog.butchevans.com/2008/09/mikrotik-policy-routing-implementation-example/
http://wiki.mikrotik.com/wiki/Manual:PCC#Policy_routing

The first link suits my understanding level and i applied it. it is working for the moment while i make changes where necessary and slso planning to add the third ISP3 but i may need help on how i can write script that will redirect all the traffic meant for ISP1 to go to ISP3 incase it goes down while ISP2 remains for my neighbours.
I am so glad for the link you provided, it really helped me.

Check out the bottom of the policy routing link where the routes are. The important parts are check-gateway and distance.

I am not really getting the result i want . i did not mention earlier that my LAN is hotspot and /ip proxy is also enabled which has been affecting my configuration since all traffic will be going out from one IP.. i figured that out from here Load balancing over multiple gateways with hotspot.
I joined the thread and was getting great help from a forum Guru but now am somehow stuck-up and need another forum member to check the link out and see what we have done so far..

Thanks.