What would be the correct response for "Ref" in terms of denial?

The term "Ref" in the context of denial typically stands for "Refused." This response is straightforward and conveys a clear and unambiguous decision to deny a request or action. Using "Refused" indicates that the denial is definitive, leaving no room for further negotiation or interpretation.

When addressing denials, it's important to use terms that are direct and easily understood, and "Refused" fits this criterion perfectly. Other choices like "Respectfully declined" might suggest a more polite refusal, but they do not convey the same level of decisiveness as "Refused." "Retained" and "Regretted" do not align with the concept of denial at all, as they imply a different state of action or feeling rather than a refusal. Thus, "Refused" is the most appropriate and accurate response for "Ref" when discussing denial.