Morning.
Moderately interesting. Uniform Resource Locator. Sounds a little pompous, no wonder people use the abbreviation. As a humorous aside, even though I've corrected her a few times, on the rare occasions that this comes up my mother does not or will not say this term properly, that is she does not say U*R*L she says earl and when I correct her she rolls her eyes and says "well you know what I mean."
As far as speech pet peeves go this is low on my list, and that should tell you more than you need to know.