diff --git a/fetch_fio.sh b/fetch_fio.sh
index f4f2477..4d7f2b6 100644
--- a/fetch_fio.sh
+++ b/fetch_fio.sh
@@ -111,13 +111,44 @@ get_file_date() {
     echo ${STAT%% *}
 }
 
+#
+# $1 - URI
+# $2 - output file
+download_file() {
+    log "Downloading \"$1\" to \"$2\""
+    url="$1"
+    fname="$2"
+    tmpfname="$fname.tmp"
+    oldfname="$fname.old"
+    for i in `seq 1 3` ; do
+	if wget -q "$url" -O "$tmpfname" ; then
+	    if [ -s  "$tmpfname" ] ; then
+		log Download OK
+		cp "$fname" "$oldfname"
+		mv "$tmpfname" "$fname"
+		log Finished
+		break
+	    else
+		log Download successfull but empty or non-existing result.
+		log Retrying in 5 s.
+	    fi
+	else
+	    log Failed download, retrying in 5 s.
+	    sleep 5
+	fi
+    done
+}
+
+# Current year (last in seq)
+CYEAR=`date +%Y`
+
 # Mark
 log "$0" ======== started ========
 
 # Each line should contain account number and Fio API token as first
 # two non-whitespace strings. The rest of each line is ignored. There
 # must be no leading whitespace.
-while read accnt; do
+while read accnt ; do
     # Extract account number, Fio token and starting year
     ACCNO=${accnt%% *}
     accrest=${accnt#* }
@@ -134,23 +165,7 @@ while read accnt; do
 	
 	# Fetch CSV from bank
 	CSVNAME="$BANK_DIR/$ACCNO.csv"
-	for i in `seq 1 3` ; do
-	    if wget -q "${APIURI}/periods/${APIKEY}/2015-01-01/2025-01-31/transactions.csv" -O "$CSVNAME.tmp" ; then
-		if [ -s  "$CSVNAME.tmp" ] ; then
-		    log Download OK
-		    cp "$CSVNAME" "$CSVNAME.old"
-		    mv "$CSVNAME.tmp" "$CSVNAME"
-		    log Finished
-		    break
-		else
-		    log Download successfull but empty or non-existing result.
-		    log Retrying in 5 s.
-		fi
-	    else
-		log Failed download, retrying in 5 s.
-		sleep 5
-	    fi
-	done
+	download_file "${APIURI}/periods/${APIKEY}/2015-01-01/2025-01-31/transactions.csv" "$CSVNAME"
     fi
 done < "$APIKEYS_FILE"