My layman's understanding is that you cannot invoke the 5th amendment in many circumstances where you might want to. The Supreme Court has also ruled that an ad

My layman's understanding is that you cannot invoke the 5th amendment in many circumstances where you might want to. The Supreme Court has also ruled that an adverse inference may be taken if you assert your 5th amendment right. The safest way to get more time to answer a question is to refer the questioner to counsel.