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my $s = 'the quick brown fox';
substr($s, 10, 0) = 'light-';          # result: 'the quick light-brow
+n fox'
substr($s, -3, 0) = 'female ';         # result: 'the quick light-brow
+n female fox'
substr($s,  0, 0) = 'I saw ';          # result: 'I saw the quick ligh
+t-brown female fox'
substr($s, -0, 0) = ' cross the road'; # ' cross the road.I saw the qu
+ick light brown female fox' :(

sub insert_end_relative{
    my ($string, $pos, $insert) = @_;
...
    ? substr($string, -$pos, 0) = $insert 
        : $string .= $insert;
}