Guys, Gals, Girls, Ladies all fine by me if in a group. Not quite so fine if on my own. I do appreciate people like to have a word to call me when they don't know my name and have no need to know my name. It is only polite and respectful. What really gets me is when I am dealing with someone such as the bank and a young whippersnapper immediately calls me by my first name, I find that so disrepectful. Added to which, thanks to my darling parents, I am actually called by my second name, so calling me by my first name just rubs salt into the wound. The only place I tolerate it is in the hospital where I really don't have any option. Also I second the person who dislikes Hi to start an email and find I cannot do it. I either start dear or hello or good morning/afternoon/evening. But, as said, all these are mere irritations (apart from the bank - grrr).