FannyCornforth
I think that your husband is definitely right Greenfinch (lovely name)
Initialised terms need apostrophes too I think, ie TA’s (teaching assistants), PO’s (post offices) etc
Others may disagree!
I disagree with you vehemently, FannyC. Apostrophes denote omissions or possession. Nothing else.
I'd be thinking'TA's what? Pencils, shoes, jobs...?'. when I read that.
I don't think that 'photo's' is at all correct, either.