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I have thought this through before and decided that if it were a stranger I would simply ask them if they were a police officer, if they said no, I would as politely as possible tell them that as a matter of privacy, I would not be answering their question. If it was someone I know, I would just tell them it is a gun. When they asked why I needed to carry a gun I would just tell them that I carry it in case I ever need to use deadly force in defense of myself for another. I have never had to implement either plan because I am either very good at concealment, or others just don't want to ask.