[Ankesh]

An opinion from someone who lives in a land where there are 30 recognized languages and a dozen major religions.

Most people won't mind if you wish them Merry Xmas - even if they are not Christians. No - its not being insensitive.

Wishing rule of thumb: wish how others want to be wished. If you don't know their peference, wish what the majority wish.

When you wish them Merry Xmas and they say something like - Oh I'm not a Christian - ask them what they are and how would they like to be wished.

Instead of just saying "How nice" you could say "How nice - how do you wish to celebrate Kwanzaa?"