Oh, and I wanted to pose a few questions. How would you handle these situations?
1) Judy is undercover and pretending her name is Paula. What name would you use for her under what circumstances?
2) We're in Chapter 4. We the readers know that this guy is named Rich (because there has been a scene in his POV), but the heroine doesn't know him or his name. Again, how would you handle this?
3) Annie is Annie to her friends, Anne to her mother, and Mom to her son. She thinks of herself (when she thinks of herself by name) as her maiden name, Jones. What would you call her in the narrative?