Eh to me it really depends on the customer and if I can decipher their name easily or not. Older then me by a good amount I tend to go the sir/mam route, but if they feel about my age or younger I feel awkward calling them that. I have to get their last names for signature clarifications, but otherwise I try to stick to first names with my customers. I see the same people day in and day out so I like it to feel less mechanical even though at the end of the day its all business.
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