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my @titles = ...; 
if (@titles == 1) {
...
   $BIGLIST{$title[0]}{$titles[1]} = [ @RESTOFFIELDS ];
}
...etc.

my @titles = ...; 
my $ref = \%BIGLIST;
...
   $ref = \($ref->{$title});
}
$ref->{$title[0]} =  [ @RESTOFFIELDS ];