FORMAT REFERENCE
FN vs N in a vCard
vCard uses two name properties because a display name and a structured family/given name are different pieces of contact data.
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FN is the display name
FN is the formatted text an address book can show to a person. It may include a preferred order or a professional style.
N is structured data
N commonly stores family name, given name, additional names, prefixes, and suffixes separated by semicolons. A converter should not assume that splitting FN alone can reconstruct N accurately.