again with the name-calling. You really are quite hypocritical, you know.
"Don't call each other names you bunch of retards!"
again, i did not call you any names.

see it as you will though.
"YOU are an idiot." now that would be name calling. see there is a direct person it was meant for "you". the "are" states it as yours. the "idiot" is the name. it's english stuff. 9th grade maybe.
"you're a fool IF" leaves a lot of doubt. it is NOT an insult.