There's a lot of name related methods popping up. Thoughts on extracting a `Name` class?

```ruby
class Name < Struct.new(:first_name, :last_name)
  def to_s
    "#{first_name} #{last_name}"
  end

  def initials
    #{first_name[0].upcase}#{last_name[0].downcase}
  end
end

class User
  delegate :initials, to: :full_name

  def full_name
    Name.new(first_name, last_name)
  end
end
```