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# You need to match a double quoted string with the following regex
# [^"\\]*(\\.[^"\\]*)*",?
...
# ,
#
# this must be repeated with m/.../g

@fields = ();
while ($text =~ m/"([^"\\]*(\\.[^"\\]*)*)",?|([^,]+),?|,/g {
...
push (@fields, undef) if $text =~ m/,$/; # Account for the special cas
+e of an empty last field.

# all data is now in @fields