How to verbalize $R[x]$?

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Let $R$ be a ring, and let $x$ be an indeterminate. Let $R[x]$ denote the ring of polynomials in $x$ with co-efficients in $R$. How to most efficiently read (i.e. pronounce) the symbol $R[x]$ while reading an abstract algebra text covering the topic?

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I just say "R x".

Sometimes I have mathematical discussions via phone, and "R x" worked.