XSLT 2 I have a for-each, When there is only 1 instanc

XSLT 2 I have a for-each for consumer initials , When there is only 1 instance
I want to display just the 1 initials. If there are 2 I a want it to display
with PL, JL, etc.

Here is what I have:
            <reporterfamilyname><xsl:for-each
select="/records/sf:Consumers__r/records">
            <xsl:choose>
                <xsl:when
test="/records/sf:Product_GCC__r/sf:Locale_GCC__r/sf:Region_GCC__c = 'EMEA'">
                    <xsl:text>ANON</xsl:text>
                </xsl:when>
                <xsl:otherwise>
                    <xsl:value-of
select="substring(sf:Consumer_GCC__r/sf:FirstName/text(),1,1)"/><xsl:value-of
select="substring(sf:Consumer_GCC__r/sf:LastName/text(),1,1)"/>
                </xsl:otherwise>
            </xsl:choose></xsl:for-each>
             </reporterfamilyname>