];
foreach( @records ) {
    my $message = $template;

    # hash to fill with customer information
    my %customer_record;

    # use a hash slice to populate it, 
    #  we now have keys fname lname email and phone
    @customer_record{ @field_names } = split ';', $_ ;

    # neat, a one line templating engine.
    $message =~ s/##$_##/$customer_record{$_}/g for keys %customer_record;

    send_spam $customer_record{email}, $message;

}