BEGIN:VCARD
VERSION:3.0
REV:2026-08-30T03:42:54Z
N;CHARSET=utf-8:Mceldowney;John;;;
FN;CHARSET=utf-8:John Mceldowney
TEL;WORK:
ADR;WORK;POSTAL;CHARSET=utf-8:;;Dept. Of Accounting & Finance, University O
 f North Florida;Jacksonville;FL;32224;US
END:VCARD