Primarily for Indian Names.
Say we are given str: (list "M." "D." "Albert" "Dorkins"). We want to return ""Albert" not "M.") We reject names that are one character long and names that are 2 characters long that end in ".". So, "M." is rejected, but "Ma" is not.
An excercise for the committed is to also reject run-together dotted initials such as "D.K.". I was sufficiently committed.