# determine the field names
  if ($colNamesHdl) {
    @ff=();
    for ($i=0; $i <= $#$colNamesHdl; $i++) {
      push(@ff, $$colNamesHdl[$i]);
    }
  } else {
    $k  = $$rowsHdl[0];
    @ff = keys(%$k);
  }

  $j = $#$rowsHdl;
  for ($i=0; $i <= $j; $i++) {
    @paramVals = ();
    foreach $k (@ff) {
      $k1= $k;
      $k1 =~ s/(^[\n\r\s\t]+)|([\n\r\s\t]+$)//g;
      $val = $$rowsHdl[$i]->{$k};
      push(@paramVals, $k . $delim2 . $val);
    }