BEGIN:VCARD
VERSION:3.0
N;CHARSET=utf-8:Вовчук;Наталія;;;
FN;CHARSET=utf-8:Наталія Вовчук
EMAIL:academy@bdo.ua
SOURCE:https://www.bdo.ua/VCard/54559c28-18e0-49bd-a88e-07e7701ba82a
ORG;CHARSET=utf-8:BDO
URL:https://www.bdo.ua/uk-ua/blogs-2/consulting/authors/vovchuk
REV:20260709T132724Z
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
END:VCARD
