while ($count < $elements) {
print ("we are in MAIN loop\n");
while ($tr++ < $cols) {
$test .=  "<tr>";print ("we are in TR loop\n"); 
my $tc=0;
while ($tc++ < $rows) {

$test .="<td width='25%'align='left'>".(@{$ref}[$count]).'</td>'."\n";
print ("we are in tc loop\n");$count++
         } # MAIN loop
      } $test .=  "</tr>";  # tr loop
  }      # td loop

    $test .=  "</tr>";

} else {#do something else}