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Madam, Ms. , Mrs., so I've heard. It means "My Lady".
"MS" means "mint state". Mint state means the coin is the same as it was when the mint struck it. It has no wear at all. Mint state is also called "uncirculated". The numbers following the "MS" indicate the surface condition of the coin. The higher the number the fewer nicks, scratches and other imperfections are found on the coin. These numbers for the uncirculated coins range from MS60 to MS70 with an MS70 coin considered to be in absolute perfect condition.
MS - 60 means uncirculated but with some scratches. The higher the number on a scale of 1 through 70, the better the coin's condition.
In printing there are two 'ens' in an 'em'. Unless it means Nano Seconds in a Milisecond, in which case it is 1million ns in a ms (using the American billion i.e. one thousand million).
Ms