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Choosing to ask the person politely about the suspicious mole demonstrates awareness and concern for their health while respecting their autonomy. Engaging in a respectful conversation allows you to express your concern without making assumptions or escalating the situation unnecessarily. This approach creates an opportunity for the individual to share their thoughts or seek further clarification regarding their mole, which may encourage them to take action if needed. It's a balanced way to address your observations while allowing the other person to make their own informed decisions about their health.

The other options reflect less appropriate responses. Ignoring the situation fails to address a potential health risk, while voicing suspicions publicly may cause unnecessary panic or embarrassment. Referring someone to a doctor without their consent could be seen as overstepping boundaries, which can lead to discomfort and a lack of trust. Thus, asking the person directly and politely is the most considerate and responsible action.