Etymology
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Middletown 

"typical U.S. middle class community," 1929, from the title of a book published that year ("Middletown: A Study in Contemporary American Culture") by New York sociologists Robert and Helen Lynd, based on information collected 1924-25 in Muncie, Indiana. The U.S. Geological Survey lists 40 towns by that name, not counting variant spellings; see middle (adj.) + town.

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Lloyd 

male proper name, from Welsh Llwyd, literally "gray," from PIE root *pel- (1) "pale." Lloyd's, meaning the London-based association of marine underwriters, is first recorded as such 1805, from Lloyd's Coffee House, London, opened in 1688 by Edward Lloyd, who supplied shipping information to his patrons; merchants and underwriters met there to do business.

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