Don't say anything or explain yourself. Just do it. Then put your pad away and answer the question truthfully. If you don't get the job, you have plenty of options including netting at least a year's salary to tide you over. If you do get the job, make sure the interviewer gets trained or fired.
Candidates are in charge.
It's time they acted that way. We are in a period of extremely aggressive job expansion with tremendous competition for the best employees. This is not the time to take a timid stand regarding your rights. My advice to candidates is that a resume should only a summary. Don t tell your life story.