The following snippets are from Reality and Dreams, by Muriel Spark, the author of The Prime of Miss Jean Brodie. "I hope," she said, "you have signed on with a B.A. and let them have your C.V. with a claim for A.P.L." "What are B.A., A.P.L.?" said Ruth. "Benefits Agency; Accreditation of Prior Learning. C.V. means curriculum vitae which means-" "I know that one." said Ruth. "You need to find your L.A.'s U.B.O. and perhaps put in for some E.T." "Still you should have some I.S." I hope he has an insurance and an S.D.A., otherwise-" "S.D.A.?" said Ruth. "Severe Disability Allowance," ... Spark punctuates all the acronyms in the book. She even capitalizes and punctuates T.V. Acronyms and initialisms aren't usually punctuated. They are in the ransom note. Reality and Dreams was published in 1996. Muriel Spark died in April of this year.