$dbh = DBI->connect ("dbi:CSV:", undef, undef, {
               f_schema         => undef,
               f_dir            => "data",
               f_ext            => ".csv/r",
               f_lock           => 2,
               f_encoding       => "utf8",

               csv_null         => 1,

               RaiseError       => 1,
               PrintError       => 1,
               FetchHashKeyName => "NAME_lc",
               }) or die $DBI::errstr;