Transgendered? What Rates??

Okay, it's Friday. I'm not in a serious working mood, so let's throw out a topic for debate. It's gotten to the point where in some circumstances not using the correct (chosen) pronoun for someone if they're "transgendered" can get you in trouble. How long before the first lawsuit is filed against a life insurance company because they refuse to recognize a transgendered applicant as the sex of their choice?
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