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Life threatening situation before deadly force is allowed. A guy could be sitting on your chest and beating the living hell out of you and you have to "convince" the court you were sure you would die if he continued...and that's why you shot him.
You have more responsibility and liability when you have control of a handgun. People watch too many movies where a person "whips" it out and scares the bad guys away. Whipping it out for show could cost you the permit and potential jail time.
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