Ma'am as in ham or palm?

[rajpoot]

Just watched The King's Speech.
Now ordinarily I'm quite confident of how I pronounce words, and luckily my accent is more neutral than most people here.....
So how does one pronounce ma'am? Like ham or like palm?
The Internet offers contradicting opinions...thus I post here....

[A Nerd]

I pronounce it sounding like ham. I personally have never heard it sounding like palm, but perhaps elsewhere it might. I would prefer to say 'miss' though, whether she married or not.

[Rhyfelwyr]

I say ham and palm the same way... although that may be due to the fact that Scottish people have quite a harsh sounding 'a'.

[Togakure]

Like ham over here in Californaiyay.

[Motep]

I would say like ham....but I am in the midwest, so....

[drone]

Ham on the US east coast/south.

[pevergreen]

It is ham.

hhh AAAAAmmm.

muh aaaaaammm.

puh aaaaalm