BEGIN:VCARD
VERSION:3.0
REV:2026-04-11T10:02:00Z
N;CHARSET=utf-8:Michael Joseph Cuggino;;;;
FN;CHARSET=utf-8:Michael Joseph Cuggino
TEL;WORK:
ADR;WORK;POSTAL;CHARSET=utf-8:;;600 Montgomery St Ste 4100;San Francisco;CA
 ;94111;US
END:VCARD