[onreact-com]

"How idiotic can you be?"

"When disagreeing, please reply to the argument instead of calling names. E.g. "That is an idiotic thing to say; 1 + 1 is 2, not 3" can be shortened to "1 + 1 is 2, not 3.""

http://ycombinator.com/newsguidelines.html

[tptacek]

Let me try to respond more appropriately:

"Nothing you said about mortgages appears to be true".