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$Contracts{$key}[STATE]

my $r = $Contracts{$key};
$r->[STATE]

$Contracts{$key}

my $r = \$Contracts{$key};
$$r

use strict;
use warnings;
...
   lookup => $lookup,
   refit  => $refit,
});

>perl 586841.pl 500 4 -5
         Rate lookup  refit
...
        Rate lookup  refit
lookup 499/s     --   -19%
refit  613/s    23%     --