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  1. or download this
    ( $fDate, $fType, $fDetails, $fRef, $fCurrency, 
      $fAmount, $fPaidOut, $fFees, $fTax )
          = split( /,/, $line );
    
  2. or download this
    11/21/2022,Payment,"Transfer to Smith, account 2",,USD,,123.60,,,
    
  3. or download this
    $fDetails = "Transfer to Smith
    $fRef =  Savings account"
    
  4. or download this
    $line = 
      '11/21/2022,Payment,"Transfer to Smith, account 2",,USD,,123.60,';
    ...
      $fRef, $fCurrency, $fAmount, $fPaidOut, $fFees );