{    # limit the scope of $/ being undef
  local $/;  
  $block = <FILE>
}

my %template_flds = ( EMAIL => undef ); # just in case %EMAIL% is not in the template

while ( $block =~ /\%(\w+)\%/g ) {
    $template_flds{$1} = undef;
}
my @query_flds = sort keys %template_flds;

$sql = "select ".join(',',@query_flds)." from database";
while( $row = getrow( $sql )) {
    my $mesg = $block;
    for ( @query_flds ) {
        $mesg =~ s/\%$_\%/$row->{$_}/g;
    }
    print "Sending to $row->{EMAIL}\n";
    send_email( $row->{EMAIL}, $mesg );
}