$query = $dbh->column_info('','',$table,'');
$column_info = $query->fetchall_arrayref();
for $i ( 0 .. $#{$column_info} ) {
   $fields .= qq| "$column_info->[$i][3]",|
}
chop $fields;
$sql = qq|SELECT $fields FROM $table ORDER BY "REF"|;
$query = $dbh->prepare($sql) or die "could not prepare $sql : $DBI::errstr\n";
$query->execute  or die "could not execute $sql  : $DBI::errstr\n";
$result = $query->fetchall_arrayref();