Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Someone asks you to co-sign a loan. How to reject & say “no” nicely or politely?
Oh, how about something like "I'd rather not. It exposes me to more   financial liability than I want. If   you were in the hospital, or some   emergency like that, it might be   different, but..."