Setting capital letters in multi-word city names or titles

[starbase59]

By using UPPER and LOWER, how can I capitalize city names or company names correctly.
Examples: "Santa Rosa" or "Steward Financial Group, Inc"

I tried: UPPER(substring(City, 1, 1)) +
LOWER(substring (City, 2, 99)) but this only capitalizes the first letter in the string.

 

[earthandfire]

A quick scroll through very recent posts on this forum revealed:

thread183-1367122

 

[starbase59]

Perfect. Thank you.