Well, I may have used that word mistakenly.  I meant &quot;source of the problem&quot;.  If that&#x27;s an insult, then there are no other in my comments, I do actively refrain from insulting both online and in person.  As for criticism, yes, my comment is a criticism, and tries to be a constructive one.  I spot the problem, I suggest a solution, I may well be mistaken, but there are no insults.  And I comment on the situation, not ad hominem.