Maam will do. Your Excellence would be better. I absolutely loathe honey and sweetie from anybody. I don't like being called by my first name by people who don't know me, especially on the phone. at the bank, etc. At my doctor's office it's OK. The last time I was in hospital they asked me how I would prefer to be addressed - first name or Mrs. B. . . I opted for the latter and by god, it worked.
A little curtsy would be nice too.
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