For addressing Jaygees or LCDRs in person, you can refer to them as "Lieutenant Boner" or "Commander Buzzkill." In writing, though, refer to them as their actual rank. Personally, I think if you're saying your own title, like on the phone, you should say "Lieutenant Jay-Gee Boner" or "Lieutenant Commander Buzzkill," but I don't know if that's ... More @Wikipedia
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