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I'm having trouble pulling each character out to change each one to a lowercase letter

i.e. PAPER to paper

A program that is to check if a string is a palindrome.

Every character must be put to lowercase.

so if anyone wants to write some code, then by all means go ahead

Yeah, could you give some example code for it? I would appreciate it. Thanks

I have this program that I need to write in a name.....for example "Richard Michael Smith" and output just their initials. I can't figure out how to output just the initials.
I have
cout <<...