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Since I can not read the mind of the robber, I can only go by what I am presented with...a person pointing at me what I must presume is a loaded weapon. Since he is pointing it at me and demanding something that I have, I can only presume that he is prepared to shoot me for it. I am not ready to die just yet, so I would draw and shoot him first.
I am not protecting my money or merchandise by shooting him...I am protecting my life because he is pointing a gun at me while committing a crime.
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