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$SQL = "select userid a, giftid b ....";
. . .
print F "$row_ref->{$_} " for sort keys %$row_ref;

print F "$row_rf->{$_} for qw( userid gifid );

while ($row_ref = $ST->fetchrow_arrayref) {
    print F "$row_ref->[$i] " for 0 .. $#{$row_ref};

print F join(" ", @$row_ref);