I personally believe it is WAY OVERRATED. It doesn't allow for intelligent discussion because there is always a concern as to how something is phrased as not to offend. If I'm civil, then I'm not going to say anything to personally offend, if I have a different point of view and am in an intelligent conversation with another civil human being, then there is an understanding that we will agree to disagree.
Unfortuantely, alot of individuals lack common courtesy and civility and cannot interact with other people outside of their "clique" because they have not been taught how to be civil.
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