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sub checkdbm {
  my $hashref=shift;
...
  tie (%{$hashref->{$key}},'NDBM_File',"$key-dbm",O_RDWR|O_CREAT,0640)
+;

}

  checkdbm \%terms,$db;

  for my $t (@terms) {
    $terms{$db}{$t}++;
  }