From: tabnak.ir
Subject: موسسات اعتبار سنجي چگونه کار مي کنند؟
Date: Mon, 06 Apr 2026 01:04:43 +0330
MIME-Version: 1.0
Content-Type: multipart/related;
	boundary="--537FBED94DB26ADC1BEC0C17AED27A8E_MULTIPART_MIXED";
	type="text/html"
X-MimeOLE: Produced By IRANSAMANEH.COM

This is a multi-part message in MIME format.

----537FBED94DB26ADC1BEC0C17AED27A8E_MULTIPART_MIXED
Content-Type: text/html
Content-Transfer-Encoding: base64
Content-Location: http://mhtfile/index.html
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----537FBED94DB26ADC1BEC0C17AED27A8E_MULTIPART_MIXED
Content-Type: image/vnd.microsoft.icon
Content-Transfer-Encoding: base64
Content-Location: http://mhtfile/favicon.ico
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----537FBED94DB26ADC1BEC0C17AED27A8E_MULTIPART_MIXED--
