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    s( ("[^"]*")     # a quoted field, or standalone part of a field
      | (?<![^;])    # start of line or preceded by semicolon = start 
+of field
...
              =~ tr/,/./;       # replace ',' with '.'
            $number }           # return value
    }xge;

m( ( (?:^|") [^"]* ("?) ) | (?<![^;]) ( [\-\d,]+ | ([?]) ) (?![^;]) )x