sub db2tmpl {
    my ($sth,@bind) = @_;
    $sth->execute(@bind);
    my $fields = $sth->{NAME};
    my $rows   = $sth->fetchall_arrayref;
    my @loh;
    for my $row (@$rows) {
        my %hash;
        @hash{@$fields} = @$row;
        push @loh, {%hash};
    }
    return \@loh;
}