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<tr>
  <td>
...
    <input type="radio" name="businessCall" value="No_bus" />No * 
    </td>    
</tr>

if $businessCall.value = "Yes_bus" {
   my $subject = "Branch Manager Business Call"
   } else if $businessCall.value = "No_bus" {
      my $subject = "Merchant Referral"
      }