Interactive Tool
Scripts: Explaining PEM
Information, not justification: one line that informs, and then stops. These are written to be given once and reused forever.
What this is for: Short, true ways to explain delayed payback without a lecture — including the 'you look well' answers.
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The explanations
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You choose who receives the fuller explanation, and 'I can't make it this time' contains all the information owed to everyone else.
A clean, keep-close version — read it here, or screenshot the page to have it on your phone.