An and A

I am still confused about when to use an instead of a. Is it an hour or a hour and if someone is doing a master's degree in arts, is it an MA or a MA?

With single letters and groups of letters pronounced as letters, be guided by the pronunciation.

• a B road

• a KLM flight

But an A road, an FA cup final, an SAS flight (R.W. Burchfield, The New Fowler's Modern English Usage)

So it is an hour, an MA.

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