htaccess url masking and php page

Hi,

Im new to htaccess and masking urls and would like a bit of help.
I have a index.php file that acts as a shell for the other pages on my website.
Inside the main content div in that page, i have made an array with the below php code so if i type in for example, "www.domain.com.au/index.php?ref=contact" that would take me to the contact page.

Now, i want it so if i type in "www.domain.com.au/contact" it would take me to the index page with the added contact page into the main div of index.php.

Could someone please help :) thanks.

<?php
$pagelist = array("home", "services", "contact");
if(in_array($_GET['ref'], $pagelist)) {
include($_GET['ref'].".php");
}
?>

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