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An apostrophe can mark missing letters: do not becomes don't. For one owner, usually add 's; for a plural owner already ending in s, add only an apostrophe. Irregular plurals such as children take 's. Do not add an apostrophe just to make an ordinary plural.
Worked example
'The girl's bag' belongs to one girl. 'The girls' bags' belong to more than one girl. 'Three bags' is only a plural, so it has no apostrophe.