substite for another two vcards
substitute vCard 2.1 w/ UTF-8 value

It's remarkable how many special cases are provided by the vCards I
already have! :-)
Fix one more test

I made a new vcard with the same problems
mark one test with missing data as pending

The best I can do today.
breaking a photo to fix a test
make a new list.vcf to fix a test
test to change value can use john smith

There was nothing special about the other vcard.