my $template = Text::Template->new(
   TYPE   => 'FILE',
   SOURCE => 'formletter.tmpl',
) or die $Text::Template::ERROR;

##</code><code>##

Dear {$name},

It has come to our attention that you are delinquent in your
{$month} payment.  Please remit {$amount}
immediately, or your patellae may be needlessly endangered. 
		   Love,
		   Mark "Vizopteryx" Dominus

##</code><code>##

Gates,Bill,Mr.,1,42000000000
Wall,Larry,Mr.,5,2

##</code><code>##

my @monthname = qw(January yadda yadda December);

open FH, '<', 'data.csv' or die "can't open data file: $!";

while (<FH>) {
   chomp;
   my ($last,$first,$title,$month,$amount) = split ',', $_;

   my $result = $template->fill_in(HASH => {
      name   => "$title $first $last",
      month  => $monthname[$month],
      amount => sprintf('%.2f',$amount),
   });

   die $Text::Template::ERROR unless $result;
   print $result;
}