I have never been offended when someone asks to take my picture and 90% of the time say yes. What I hate are the ones sneaking around with big long lenses taking pictures without asking and trying not to be. Besides being on the verge of stalking, it is rude. Even if you aren't going to ask -- at least have the balls to show your face while doing it.
(pics at swim meets and sporting events don't fall into that category)
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