With the exception of royal peerages, which are often created without them, territorial designations are used with the creation of almost all baronies and viscountcies. For instance, the life peerage conferred (in 1992) on the former Prime Minister Margaret Thatcher was created as:"Baroness Thatcher, of Kesteven in the County of Lincolnshire."The life peerage for the former Prime Minister James Callaghan (in 1987) was created as:"Baron Callaghan of Cardiff, of the City of Cardiff in the County of South Glamorgan". The part of the peerage before the comma is the actual title, and the part after the comma is the territorial designation. These peers should therefore be referred to as ""The Baroness Thatcher"" and ""The Lord Callaghan of Cardiff"": it is incorrect both to use part of the territorial designation as part of the title and to leave out part of the actual title; thus "The Baroness Thatcher of Kesteven" and "The Lord Callaghan" are incorrect, although the latter may be used informally.