I can't really give you a specific phrase to go on for when I insult people. As a writer and a sadist, I tend to find one-liners that are catered to the person you're speaking to directly. And also, because I can certainly rant, I would tend to go a bit vicious with the cutting remarks, maybe not mounting a single attack but multiple verbal lacerations. Since I'm not looking to insult the thread-bearer, I don't have a right and proper comment to make. Just be assured that I have a general loathing for people and work hard to belittle you pitiful excuse for sentient beings. (Okay, so I got one out after all. Sue me.)