If the subject of the question is "NOT ME" but the person I am talking to "you"
it doesn't matter if I am male or female
what matters is who I am talking to:
example
How are you? --> who is the subject? not me, but you!!
so is "you" is male:
kayfa haloka
كيف حالُكَ؟
and if "you" is female:
kayfa haloki
كيف حالُكِ؟
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However if the subject of the sentence is "I"
it doesn't matter who I am talking to "you"
what matters is "I"..am I male or female
example:
I am sorry --> who is the subject? Not you, but I !!
if I am a male:
ana asif
أنا آسف
but if I am a female
ana asifa
أنا آسفة