ATM

When I encounter the letters ATM and my brain begins to decipher their meaning, there are three distinct phrases that spring to my mind. And it is with an odd mix of shame and self-acceptance that I realize that the meaning that the vast majority of Americans would assign to those letters is #3 on my list, and that #1 and #2 on my personal list are too raunchy and/or obscure to appear on this list.