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The smarter a man is, the more he says no, are you this type of man, smart and because you are smart, saying yes is not an option. You always say no, the simple mantra for saying no is you're not the type who easily responds positively, you need to study it first and only say yes if you find it a potential way to change something. It must be what we do to discipline ourselves from saying yes all the time to somebody especially if borrowing money is the topic. Let is act smart but refuse in a way the person will not get hurt.