One very "good" application to learn these things is Microsoft's Excel. It fully implements regional settings, so if you want to open/save a .csv file, it will automatically use the list separator for your country as the field separator. If the .csv is a "normal" comma separated file, and your regional list separator is set as semicolon, tough luck. You can still open them with the advanced "something-separated" wizard, but it's manual. Also, if you type a formula you just found on the 'net that looks like =CONCATENATE(A1,B1) it will not be recognized because you still have to use the regional list separator, so you need =CONCATENATE(A1;B1) to work.