What does breaking the fetter 'Clinging to rites and rituals' actually mean?

The second fetter to break when one becomes a stream entrant is given as 'Clinging to rites and rituals'. I've always found that one a little puzzling. How do you know if you are clinging to a ritual? What would be the signs of it? Does the fetter apply exclusively to Buddhist rituals or does it apply to the little rituals we all indulge in as we navigate our way through daily life? I think I'm after someone to help unpack this one a little bit.