There are times when you have to -- when the other person is just stuck, looking for a word that they can't quite remember. In private life or social conversation, I them a few seconds and then supply the word or phrase as a question.
And, let's be frank -- there are times, especially at work, when the conversation is wandering, the person you're talking to couldn't frame a sentence clearly if they hung it on the wall, and you need one piece of info from them that they somehow can't manage to disgorge from their thick skulls, and you're in a hurry. In that case, business is business and if they can't say what's on their minds, I say it for them and get the hell out of there. Usually, I'm spot on.
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