The following acronyms are appropriate for use on all occasions. It is not necessary to spell out on first reference.

CARE (Cooperative for American Relief to Everywhere)
OPEC (Organization of Petroleum Exporting Countries)
ZIP (Code) (Zone Improvement Plan)
PIN (personal identification number)
ATM (automated teller machine)
SADD (Students Against Drunk Driving)
NASDAQ (National Association of Security Dealers Automated Quotations)
SEC (Securities and Exchange Commission)
OSHA (Occupational Safety and Health Administration)
ESOP (employee stock ownership plan)

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