I think visually, so it helps to use Data::Dumper to get a visual display of what the data structure looks like:

print Dumper( $account{owners} );
[download]

Add this after your code and you get:

$VAR1 = [
          {
            'DOB' => '1882-12-25',
            'name' => 'Santa Claus'
          },
          {
            'DOB' => '1928-11-18',
            'name' => 'Mickey Mouse'
          }
        ];
[download]