Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to refuse a personal loan to family [title] Evaluate the request. [step] After listening to the request, you should spend a little time evaluating it. This is important, as you should put some thought into the request before rejecting it.

Ending1: For example, if your marriage ended and you already have children, you should think carefully about whether it is worth your time to decline the loan. If you agree, then speak with your spouse and go over the request with them. Ending2: Are you really willing to turn it down? Are you able to take responsibility for what happened? Once you evaluate, you can come up with an alternative that will help. [substeps] Remember that you should typically resist the temptation to deny an employee a loan unless you feel that you already know how much you can pay her back in full. Ending3: [substeps] When someone defaults on the loan, it might only be for the following reasons. One reason might mean that the creditor intends to take a percentage of the debt. Ending4: Ultimately, in order to reject a request, you should be able to understand the request and your relative's reasoning and situation. [substeps] Consider if your relative is going through a once in a lifetime change and may actually need help.

Answer format: ending1/ending2/ending3/ending4