I prefer "woman", although if the individual calling me a "lady" is either elderly or Southern (being aware of age or culture) I try to accept it gracefully.

Thorn - I don't accept "guys" as gender neutral...it makes me nuts when a waiter asks "what can I get you guys" to a table of women. Until it's neutral for them to go up to a table of males and ask "what can I get you gals"...I'll just stick with the gender neutral "folks".