with open(file_name, "r") as csv_file:
        csv_handle = csv.DictReader(csv_file,dialect='excel')
        for row in csv_handle:
            records.append(row)
    return records
    
    
    I have 2 way to open a file
    A) manual close
    
    csv_file = open(file_name, "r")  <- csv_file is an Object of type file
                                         I MUST close that object (file)
    csv_handle = csv.DictReader(csv_file,dialect='excel')
        for row in csv_handle:
            records.append(row)
            
    csv_file.close()
    
    B) Auto-close
    
    with open(file_name, "r") as csv_file:  <- will auto-close at end of block
        csv_handle = csv.DictReader(csv_file,dialect='excel')
        for row in csv_handle:
           records.append(row)
                                
    return records       <- the file is closed here