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    my $defaults = {
        requires_login         => $_{'requires_login'} ? $_{'requires_
+login'} : 0,
        template_file         => $_{'template_file'} ? $_{'template_fi
+le'} : 'template.tmpl',
        inner_template => '',
    };

sub loadOptions {
    my $argsref = shift;
...
    }
    return $options;
}

$defaults = loadOptions([@_],$defaults);