S
Shutpa
Bolo
Up to your neck in arrears just doesnt have the same ring to it as up to your neck in sh@te
If you would avail yourself of a good command of the English language, you wouldn't have to resort to the use of crudities. I dont know if you have children, but if you had, for example, a 12 year old son, would you rather he said "Thats nonsense" or "Thats a lot of sh@te"? Come on, be honest.