Jo Ann, thank you very much for the assistance as that did work.
The only question is how can I get the result all in lower case.
This is what I tried but does not work:
concat(translate(substring(firstName, 1, 1 ), “abcdefghijklmnopqrstuvwyxz” ,“ABCDEFGHIJKLMNOPQRSTUVWYXZ”)), translate(substring(lastName, “abcdefghijklmnopqrstuvwyxz” ,“ABCDEFGHIJKLMNOPQRSTUVWYXZ”, ))