I am not retarded.
Please do not speak to me as if I were retarded.
Just because I am stupid enough to still be paying rent does not mean that I am clinically retarded. You are not the only lender in the world. At this point you're probably not even the only one that I have on the line. If you speak to me in your slimy booming salesman voice then I will hang up on you. If you speak to me in your slimy condescending girly saleswoman whine then I will hang up on you.
Thank you. That is all.