Why is it that one of the smallest words -- "no" -- is one of the hardest to say? We all agree to too much, getting ourselves in a jam when we try to keep all those promises. For the sake of your sanity, turn something down once in a while. And when you do, soften the blow by extending your hand -- wearing this beauty of oxidized silver and purple jade -- grasp the other person's hand lightly in your own, and whisper that little word. It won't make the bad news any better but you'll sure look good delivering it.