It is difficult sometimes. I was recently in the UK and in an area where it was common for the locals to call you duck or ducky. This was an old term from the Middle Ages where it actually meant duc or duke and was a term of respect. It's sometimes best to pick your battles. In an aged care context if staff called someone duck or love etc., it would be appropriate to pull them up and let them know your preferred title or name as they should know better, it's more difficult with the casual meeting of a worker in a shop.

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