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They aren't gonna torture you till you answer ;-) In your shoes I might say personal reasons or time for a change. But if you have enough $$ to live on for a year (preferably more), you could say you're retiring. Doesn't matter if you're 59, or 48, or 37. If you can support yourself (or your spouse can-) for a while, you can declare yourself retired. Later if you go back to work elsewhere, you can say you missed working or a great opportunity came along or they made you an offer you couldn;t refuse or whatever.

Just remember that it isn't as easy to find work as it once was, especially for those who are unemployed.
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