NY Biker,
Not sure if this is similar to your punctuation (or in your case "coding"?) confusion. But a doctor friend of mine was taking a history of a patient and also asked for the spelling of the child's name. I don't remember the name but when she spell it it out she said: L-A -"top common"-K-e- etc…. Instead of staying apostrophe, it's "top comma"

Always makes me giggle now when I see a name like that.