my $line =
  '11/21/2022,Payment,"Transfer to Smith, account 2",,USD,,123.60,';
print "  $line\n";

my ( $fDate, $fType, $fDetails, $fRef, $fCurrency,
  $fAmount, $fPaidOut, $fFees )
      = "$line," =~ /(".*?"|[^,]*),/g;  # NOTE