You own a website design firm and an employee asks you for a favor: a one-month salary advance. She is one of your best employees, you have worked with her for over 5 years, and you know she is buying a house. You cannot, however, advance her the money because it is against company policy, you don’t want to set a precedent and you don’t believe it is your responsibility.
Decide how you will organize the email and which of these reasons (any of them? all of them?) you will present to your employee.