Hey, someone who knew I'm trans once wondered out loud if I was FtM or MtF,
Like you I am pre everything but obviously am close enough for people to sometimes overlook my figure and voice..
From what I can tell you pass better than I do, so I wonder if you have the same problem.
It might not be that you don't pass but that they still got it wrong..
It would also explain why she called you ma'am the way she did then refuse to meet your eyes.
Keep in mind you're your own worst critic..
Keep at it