IDF assumes that the separator for data-fields is a comma; enclosing the data-values in each field in a pair of single-quotes or a pair of double-quotes as well is optional.

SEPARATOR = "s"

placed in a FILE tag defines s as the separator instead. In this example s is set to ; so that

<FILE FILENAME = "ADDRESS2.CSV" SEPARATOR = ";" />

can be used for a data file with fields separated by semicolons.

Note: if you set the separator to be a comma explicitly, i.e.

SEPARATOR=","