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I really like the "answer a question with a question" approach, as mentioned above. With a proper line of questioning, you'd get the original questioner to be asking him-/herself why they weren't carrying themself without ever divulging your carry status!
With every report of violent crime I hear anymore, I wonder why the victim wasn't carrying. I can't wait to get into one of these conversations and lead to the question, So it is morally superior to be killed by a criminal than it is to carry according to the law and protect ones self?