Quite honestly don't know how I'd respond. A lot would depend on the game and the player in question. If the player had been complaining prior to that, or I felt they were trying to make a scene and show me up, then I would have a T. If I felt that they were genuinely trying to explain to me something and it was not done in a threatening way -- basically if in that moment I didn't feel it deserved a technical-- I might simply say "you need to keep your hands to yourself ... I'll continue to watch for any fouls".
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