I started using the following years ago and it works every time because the conditioned mind is persuaded to a certain response: "I do this for tax purposes". At that point the conversation is over and you just pat them on the head and say "nitey nite sweet pea". This way you don't have to teach anybody something new or waste your time.
But I always advocate self liability so whatever works for you is what you should go with.
Shalom,
MJ