my $pattern = join '|', @words;
my $forx;
open my $bpfh1, '>', \$forx or die $!;
        for (@bpj) {
        print $bpfh1 "$_\n", $_ if /$pattern/;
}


open my $bpfh1, '<', \$forx or die $!;
  while (<$bpfh1>) {
my @fields = split(',', $_);
my $fields;
 local $" = ',';

       if ($fields[2] eq '1' ||$fields[2] eq '0') {
             print "THESE ARE THE>>$fields[4]\n" if /MONTHLY/ && !/,-,/;
}
        
close $bpfh1;
          }
close $bpfh1;
}