Another salutation question

Many of our new accounts get set up on the web, and get entered as "John Smith" rather than "Mr. John Smith".

We would like the "Dear" salutation to default to "John" if there is no title, but "Mr. Smith" if there is a title.  I've studied up on the documentation for TR_SALUTATION_FORMAT, but haven't found a way to do this.  Am I missing something, or has someone come up with a way to make this happen?

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