A program to read CSV file with time elapsed reported

File:

"0#AU113554908=",6261,88,214
"![WTCL9700I6",4128,132,758
"/JNKO201504900.U",4007,115,575
"/2EH9675D5",4911,244,22


Code:
#include <iostream>
#include <fstream>
#include <iterator>
#include <sstream>
#include <vector>
#include <string>
#include <ctime>

using namespace std;

class CSVRow
{
public:
string const& operator[](size_t index) const
{
return vTokens[index];
}
size_t size() const
{
return vTokens.size();
}
void readNextRow(istream& str)
{
string line;
getline(str, line);

stringstream lineStream(line);
string token;

vTokens.clear();
while(getline(lineStream, token, ','))
{
vTokens.push_back(token);
}
}
private:
vector<string> vTokens;
};

istream& operator>>(istream& str, CSVRow& data)
{
data.readNextRow(str);
return str;
}

class Timer
{
string s;
clock_t t;
public:
Timer(string s="") : t(clock()), s(s) {}
~Timer()
{
cout << "Function " + s + " elapsed in seconds [" << double(clock() - t) / CLOCKS_PER_SEC << "]" << '\n';
};
};

class Instrument
{
public:
string name;
int pe;
int recordType;
int exchangeID;
Instrument():name(""), pe(0), recordType(0), exchangeID(0) {}
Instrument (const string & name, int pe, int recordType, int exchangeID)
: name(name), pe(pe), recordType(recordType), exchangeID(exchangeID) {}
};

void TestRouteine(const string & filepath, vector<Instrument> & vInstruments)
{
volatile Timer timer("ReadCSV");
vInstruments.reserve(40000000);
ifstream fs(filepath);
CSVRow row;
while (fs >> row)
{
vInstruments.push_back(Instrument(row[0], atoi(row[1].c_str()), atoi(row[2].c_str()), atoi(row[3].c_str())));
}

cout << "size: [" << vInstruments.size() << "]" << endl;
}

int main()
{
vector<Instrument> vInstruments(40000000);
TestRouteine("../InstradayWS/pen201502131002.txt", vInstruments);
system("PAUSE");
}