One of the refuse collectors that visits our road once a week, is a male to female trans-g. I just call it 'mate', as in "thanks for taking the extra rubbish this week, mate". He wears make-up at work, and is a bit of a local celebrity when off-duty. I find it difficult to refer to it as 'her', but i do it to avoid any unnecessary hassle for either of us. It takes some getting used to , but I suppose that's my hoop to jump through, and actually she's pleasant enough to talk to, so why go looking to upset her when she's "local"?