well i use it.
its a wonderful thing (no side effects yet).
i use it as a mask.
try : http://www.healthboards.com/boards/showthread.php?t=321450
i explained a little more there.
PS- sorry, cant help you with the toner, i dont use it because it already feels good after the mask. if i feel the need of applying something after the mask, i just apply some fresh aloe vera gel or GNC Aloe Vera gel or GNC Vitamin E Ointment. (thanks to my mother for buying these GNC products for me from Canada, wish i could find them here as well