and asks you for spare change, what is your standard response? Does it depend on the bum? On your mood?
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If it's someone that appears to just need help, car out of gas, broken down, flat
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"Sorry, don't have any cash/change on me." is my standard response. Doesn't matter when or where I rarely give anything to them.

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If it's someone that appears to just need help, car out of gas, broken down, flat, phone call, etc... I'll examine teh situation a little more.

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The whole "what time is it", throws me for a loop