Depends on the context. At the gas pump if I use my debit card it asks me to enter my PIN. If I loan the card to the lovely AnnaS and she asks me for my PIN number I don't have to ask her if she means an ink pin or a safety pin.



Is that suggesting that babbling "Personal Identification Number number" is needed to distinguish an acronym from a real item it sounds like? Do some dolts say "Surface to Air Missile missile" so no listeners think they are talking about a guy named Sam? I really think the context should be enough to understand the distinctions [and for credibility, last time I checked, 'loan' was a noun].

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