You have four reasons for saying "no".Two of them are very strong reasons,one has a tiny loophole,and one is very weak.In your message you should:

A) give only one of the strong reasons.
B) include all four reasons.
C) use only the two strong reasons.
D) omit the very weak reason and use the other three.

Strong Reasons

Compelling or persuasive justifications that support a particular position, argument, or course of action.

Loophole

A technicality that allows a person or entity to avoid the scope of a law or regulation without directly violating it.

Weak Reason

A justification or explanation that lacks sufficient evidence or strength.