Providing Coverage for Transgenders

I witnessed a wild and crazy event today. A couple entered a local department store and went to the clothing section of the store. The male entered the women's dressing room, while the female entered the male dressing room. Store management did nothing, stating that they did not want to be charged with sex discrimination. The event led me to wonder: has anyone on the Forum written an app involving transgender individuals? If so, did you identify the individual as their declared gender, and how did it effect the underwriting process? Really looking forward to the responses!
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