I sometimes chit-chat up the checkout girl, but never to the point of it slowing the flow of me getting the hell out of there with my stuff and letting the next guy through.
I find this is worse at the bank. My bank in particular has a few VERY chatty tellers to love to yap yap yap with each customer while you stand in line growing cobwebs. Again, me, I keep it brief. Less chat, more chit, as in I make my deposits and I'm out of there. Unless they're serving a free buffet and that one hot teller is going to do a pole dance there's no reason to hang around.
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