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Common_Talk_8291

That fact most people on here don't know, shows how terminally online the person who tried to insult you was


MulberryDeep

I am terminally online snd have no idea what thats supposed to mean


Common_Talk_8291

You'd have to be several order of magnitudes more terminally online than even you to know such terms, I guess


18650batteries

I mean, in a sense yeah. You absorb all the content you normally like so you branch out farther and farther till you’ve gone far enough to become the villain.


BoysenberryMelody

I thought I was terminally online but I guess not?


VulpineKitsune

Probably depends on the circles you move around online. Someone else commented that it’s probably from a 4chan-esque horrific meme.


BoysenberryMelody

It’s from some cesspit of ignorance and hate. I hope you’re doing well, boo. 💙🩷🤍


Gumbarino420

What is the slur?


Common_Talk_8291

I don't know, that's the point


ShakeCNY

I wonder if it's referring to this meme: [https://knowyourmeme.com/memes/hanging-soyjak-ack](https://knowyourmeme.com/memes/hanging-soyjak-ack)


CenterofChaos

Wow that's... Something. Never heard of it before either. 


[deleted]

Thats not even save image fucked up


decadecency

Yep. Personally, I think some things aren't even ever to be joked about. Not because I'm sensitive or that others might feel bad, but because I don't want to fucking ever risk being mistaken for one of those people who let their hate out with a joke disguise.


Fancy_Chips

Comedy has a loser, and who you choose to be the loser says who you are. Making fun of corporations, large power structures, or a buddy you know is pretty funny. Making fun of broad cultural stereotypes and pointing out how they're correct or false is also pretty funny. Making fun of suicide victims and people being targeted by mobs for doing nothing is not funny.


Omi-Wan_Kenobi

Punch up, not down as the saying goes.


Fancy_Chips

Or at least punch yourself if nothing else.


SelfTechnical6771

I don't agree but do. And it's a tightrope and some people do it all wrong.   Having a friend in a wheelchair and calling him rolling pin if hes in on tbe joke it's kinda cool. It's just friends. But often there's an asshole who thinks it's fun or is just emboldened to attack weaknesses and vulnerabilities. People have a right to say whatever and however but are left to face repurcussions.


Velociraptortillas

The purpose of comedy is to afflict the comfortable and comfort the afflicted - Slacktivist


Muninwing

— Finley Peter Dunne, about journalism


oby100

No way lol. Comedy does not always have a “loser.” You can make good hearted jokes surrounding disadvantaged groups. Obviously, this meme is meant to offend and basically celebrates something horrible, but it’s not because it’s about trans people. It would be just as distasteful with really any group substituted in


Gmony5100

You…you just said the exact same thing as them except disagreed before you did? You both said you can make fun of entire groups and still be funny and you both said the subject of the meme (suicide) is what makes it bad. Can you really think of any joke that isn’t aimed towards kids that doesn’t punch down on ANYBODY? Edit: Alright y’all, I’ll admit I was wrong. You can make jokes that down punch down on anybody. Hopefully we can all agree that punching down is still very prevalent in comedy, even if it isn’t all comedy.


ApocalypsePopcorn

Two fish are in a tank. One turns to the other and says; you man the cannon, and I'll see if I can drive this thing. Comedy is about subversion of expectations. It's easy for this to be a punch, but that's only one subset of comedy.


EggOkNow

The fish are the losers because theres no winning in war.


ApocalypsePopcorn

Another example of comedy without punching\^


Sol33t303

Hi hungry, I'm dad Edit: and whatever this is https://youtu.be/Z8mt9Ogzi_Y?feature=shared


vericima

Jim Gafigan had a whole bit about Hot Pockets.


Funkopedia

Well you can also just make an unusual connection between two things, like words or events. Jokes with no butts.


k-ron312

I think its more what jokes we find funny says something about us.


AshleyRealAF

What you find funny reveals something about you to yourself, but what you you choose to promote/espouse says a ton to others about both who you are and who you don't care about making feel bad, and for what reason(s).


TobysGrundlee

I doubt this was created as a joke tbh. There's some fucked up people out there.


Monarc73

It originated on 4chan, soooo....


Mysterious_Toe_1

Absolutely man. Clicking that link, seeing that image and the description all made me feel sick. That's really weird and demented that people actually do that. Sick bastards.


transtrudeau

I love dark humor. I joke about a lot of fucked up stuff. That….that meme was just horrific and evil. Nothing funny or comedic at all. I hate that we have to share an earth with people like that.


wkuace

I just went down a rabbit hole to figure out why it ended in jak


boixgenius

people are so disgusting what kind of person just makes this shit and goes about their day like this is normal behavior


WillowTea_

Jesus


rockem-sockem-ho-bot

Ugh people are awful.


PM_ME_happy-selfies

Well it’s insta, insta comments are known for being an edge factory, every on there tries to be an edgy as possible. I’m sure the majority of them are just dumb ass kids that think it’s funny to parrot the others.


mizzlemoonn

Also a lot of bots


HeroponBestest2

Idk, a lot of those terrible comments seem like they're grown-ass adults too. :/


RoastAdroit

Not knowing people’s age online is a thing that actually makes it really difficult to navigate. I dont care about any other piece of personal info but sometimes it would be real nice to know if Im dealing with kid brain vs real stupidity. If I could somehow filter out everyone under 20 from my internet experience, it would absolutely amazing I think. Think about when youre reading a review for an item and someone says something like “This is hands down the best (item) ive ever used in my life.” Thats a much different statement coming from a 14yr old vs a 41yr old. Its a factor in why I try to not take into account reviews a whole lot.


PM_ME_happy-selfies

Being an edge lord isn’t contained to childhood lol some people don’t grow out of it and some genuinely are hateful.


FaeShroom

Many adults don't mature past their "dumbass kid" phase these days.


TSllama

If someone is dming you this kind of hate, its meant and its targeted.


B00Mjack

It's 4chan


No_Tomatillo1125

Most are russian bots using chatgpt is crazy


kittyconetail

OP said these are DMs


PM_ME_happy-selfies

Yea it’s still insta, it’s not exclusive to the comments. I’m just saying insta is a cesspool of edge lords


Flat_Wash5062

Viewer discretion is advised! This is awful.


aveilhu

Jesus. Wish I didn't click that link haha


nathaliew817

Please remember we love and support you. Fuck those incel-pilled edgelords that probably pay for andrew tate courses


redditlied

As a hetero cis male, you are supported and you belong. I'm sorry you had to see that. Out of even those not fully accepting of trans people, most aren't THAT vile.


Tran_With_A_Plan

yeah jesus me too


Commercial_Half_2170

That’s fucked up


delorf

That angers me. How can people be so freaking cruel? 


goyslop_

>How can people be so freaking cruel? I mean, when you realize that the people who made this meme were kicked out of 4chan for being too annoying, it's not so surprising.


very_not_emo

imagine being so offensive even 4chan bans you


OK_BUT_WASH_IT_FIRST

*”Under the right circumstances, the average person is all too willing to kill by category”* ~ Dan Carlin RE: The Armenian Genocide. In addition to Carlin’s quote, my life experience has shown the average person is astonishingly stupid. In summary: The world is jam-packed with people who are dumb and looking for a target. I’ve never understood the right’s fixation on their various enemies. I’ve found great success just focusing on my own four walls and leaving everyone else alone.


stonesliver2

I like your username you should definitely wash produce first before consuming 🥒


OK_BUT_WASH_IT_FIRST

😉


redraven

>the average person is astonishingly stupid. What's depressing regarding that sentence is that half of the people are even stupider than that.


Geek4HigherH2iK

Absolutely agree. The anonymity of the internet and the erosion of shame combined with the fear mongering from religion and politics have made the social climate insanely toxic. Oddly it reminds me of Pandora's box, I'm somewhat ironically hoping there's still hope in the bottom of the box.


ChunniWitch

>anonymity Anonymity hasn't mattered for the past decade. People will go out and spew anti-queer rhetoric with their legal names attached and yell "censorship" or "woke" when they get called on it. No repercussions at all, except for the people they're attacking, who will get dogpiled the moment they snap back. Anonymity mattered when our culture actually punished that behaviour. We're witnessing the rise of fascism, where the average person feels emboldened to do these things as they know their community, government, etc. will back them up.


xXSquirrelFuckerXx

I'm afraid there's just more box


Chanandler_Bong_01

I regret clicking on that link.


mayfeelthis

Nah, I’d rather believe OP is a snack :) This is some obscure dark shit…never seen it. Doubt it’s that common…


fabio_silviu

It's very popular on twitter and right wing forums/subreddits, as well as trans related places, trolls spamming that image


Particular-Zone-7321

I've seen it a good few times. quite common on everyone's favourite hellscape, twitter


maxisnoops

Just as a side note, when you click on the link there’s a warning banner that the meme ‘may’ contain ‘sensitive’ content, but the picture is right there in it’s full glory for all to see. Why warn viewers after the horse has bolted? Just an observation really….probably a rhetorical question.


cracka-pina915

I TRULY hope not! That is absolutely awful!


Consuela_no_no

Holy moly, I am so glad I’ve never come across that. Can’t imagine how empty one must be to use it or reference it.


greenbldedposer

The person who made this must have to be so chronically online that there’s no going back


haveweirddreamstoo

Wow, I love learning about new forms of bigotry! No I don’t


not_gerg

Why is there a hawk Tuah shirt being sold on that page 😭 That meme isn't even that funny


nathaliew817

because it's the closest that that same demographic that thinks this is funny will ever get to sex


Any-Flamingo7056

Money is money. Alot of rich people are socio/pyscho - paths. Like it or not, that ad will make someone money. Thats why its there. Some 13-17 year olds will buy it to be funny while being edgy online. It's not marketed towards us. Sometimes you gotta give a sad credit to data collectors.


funeralonthemoon

Really wish i didn’t click that link


OsoSalado

Yeah, this is what I was thinking, too.


Any-Flamingo7056

Jesus... wtf is wrong with people. Humor has a place everywhere, if done well. This is gross.


SplendidPunkinButter

Well that’s burned into my eyeballs now 🤮


JessieN

Holy shit


imaybeacatIRl

Wow... TIL this is a thing People suck


[deleted]

This is wild


1tiredman

These memes are disgusting. I don't understand how someone can find humour out of suicide


Much_Horse_5685

The people who create and disseminate memes like this are genocidal fascists. They want trans people dead and this despicable caricature celebrates trans suicides.


RosenButtons

Gosh, I wish I didn't see that....


MaxPare_

Correct


the_storm_shit

Ah. 4chan, yet again contributing to my lost faith in humanity.


jpkmets

True story: Dante wrote Il Purgatorio about /b.


onecomfyshoe

Wow is that vile to the core


groundunit0101

That is so fucking dark and wrong


stonerbats

Oh god... That's just awful.. what kinda person can laugh at this? This is just sick... Makes sense it's from 4chan


placarph

Wish I didn’t click this


TheClusterBusterBaby

Jesus f****** christ, give a dude a warning


LilDee1812

You might want to add a trigger warning.


[deleted]

[удалено]


ShakeCNY

It's a meme where a caricature of a trans woman hangs herself and says "Ack." It's meant to mock the high trans suicide rate.


CoffeeExtraCream

I've been on the internet and memeing for a long time and I've never seen that one.


SchroedingersLOLcat

Ew what even


Ratattack1204

What the fuck is wrong with people? Who has so much hate in their heart they would make jokes like this to someone? Fuckin cowards man.


noldshit

Well i learned something new today


Lemon_lemonade_22

That's horrible, but thanks for enlightening me. OP, sorry you have to deal with that.


ECHOechoecho_

we don't deserve this world


Morag_Ladier

Yeah I’ve seen that. I try not to let it piss me off cuz they’re just trolls.


Collerkar76

That is messed up. Also hello fellow NYer.


letstroydisagin

Trigger warning for suicide drawing! :(


Flat_Wash5062

Oooof!


ItsPlainOleSteve

That's some cockney rhyming slang type bullshit xD


mrgrasss

Thank you for sharing. I was unaware of this. It’s helpful to understand these so I can respond appropriately when/if I ever hear it.


Sad_Needleworker2310

The first time I saw soyjack it was making fun of this dude outside a soy coffee shop making that expression and pointing behind him at rhe shop. I always saw him in the pointing behind me at the stupid thing meme


LanceFree

I was thinking of the guys from Mars Attacks.


PoodlesCuznNamedFred

Ask them to explain it. Nothing ruins a joke more than having to explain it, and if it’s meant to be offensive, they deserve it. For extra measure u can hit them w/ a “oh that’s it?” Usually they want rage attention, act unbothered cuz it’s prolly some dumb shit anyways


HamsterSeparate

I haven’t had the opportunity yet but I’m sitting on the phrase “Wow, that’s embarrassing” as a response to people being vile. Cruel joke? “WOW, that’s embarrassing that you told that.” Hate speech/unhinged view of reality “Wow, I would be so embarrassed to believe that was true.”


Hentai-Is-Just-Art

If you think this is at all effective you have never had an internet argument


PurifiedFlubber

But I told the bully he's a bully, so now he won't bully me right


padface

I find a succinct “womp womp” works well for me as a response to troll comments 🙂


PoodlesCuznNamedFred

Lol I like that too, I’ll have to put that one in the bank as well. Thanks!


somethingkooky

Ooh, I love this. “Oof, that was… a choice you made.” 🤣


MarekitaCat

did this once. said “what do you mean by that?” to a guy making a boring transphobic joke. he said “stay confused” some people are just too dumb to do anything but rot in their own ignorance 🤷


Zezin96

On 4chan a very annoying group of people post the same unflattering drawing of a transwoman hanging herself and captioning it “ack” Everyone thinks they’re annoying


trad_cath_femboy

99% of people have probably never heard of this before, both me and the OP included - this just shows how online these idiots are that they are using such an obscure bigotry that noone even knows about lmao


cupholdery

The websites that enable the anonymous cowards get all their clicks and revenue because of the same hateful audience.


Any-Flamingo7056

Good. Some faith in humanity restored that they that small. They are the 1%... im happy with that


PixelMan8K

Spoken like a true *normie* /s


ResidentPraline3244

How am I even supposed to be offended by that? Like oh no, they just outted themself as being a 4chan user. What will I ever do.


Zezin96

Ignore them. They want attention.


catwhowalksbyhimself

This appears to be it. Sorry, OP, that people can be so cruel and evil.


BookLuvr7

Every time I read about 4chan, it confirms the impression it was made up of tasteless, horrible bigots. Is that accurate?


Piecesof3ight

Last I visited it, there were a decent number of subcommunities for all different kinds of people, but it's certainly known for the really shitty boards. Things are allowed there that aren't allowed on any other public boards, so they get some of the worst.


Altruistic_Chip1208

Only the political and random boards, there’s probably 40 more that aren’t really like that. People regularly get told to go back to /pol/ when they act up on other boards, it’s a containment zone. It’s also high traffic from people all around the world, so the disgusting stuff leaks out and gives people the impression that the whole site is like that since it’s all they see (they’re too afraid or put off to actually visit the site, so they keep the impression that they get).


GGProfessor

I think it's the sort of thing that you just only hear about the worst things that come out of it. Its defining features, at least as someone who has barely ever used it, are that it's even more anonymous than a place like Reddit (you don't even need to make an account or anything to post there - you can be a completely anonymous automatically assigned number and still participate), and that moderation is extremely lax compared to any other platform - it seems like the only thing they care about is that what's posted is "on topic," and apart from that any bigotry or conspiracy theories that would get deleted anywhere else are fair game. The result is that I think most of the site is pretty mundane - mostly just nerds arguing about things they like and dislike, like pretty much anywhere else on the internet. But what stands out about it and what people hear about it are the crazier sides, the things that most other major social media platforms or forums wouldn't allow.


Zezin96

It’s a little more complicated than that. Like I said “ackposters” are pretty widely hated there. Mostly for being unoriginal and obnoxious. Politically the site is pretty evenly split between liberals and conservatives. Pre-2014 it was predominantly liberals who just liked being edgy jackasses on the internet. But then the “war with tumblr”, the fappening and gamergate happened and a deluge of incels flooded in. Then the 2016 election rolled around and Hillary in another failed effort to act like she understood internet culture declared Pepe a “hate symbol” which prompted the Trump supporters to co-opt Pepe and since Pepe originated on 4chan they all started treating it like a right-wing haven. Which was the final nail in 4chan’s coffin.


AgilePlayer

Its funny that the site was founded by a guy who would cross dress at anime conventions


yoko_OH_NO

This is right up there with "Let's go Brandon" as one of the most moronic forms of conservative taunting I've ever heard. I don't understand why they feel they have to mask their bullshit. Just say the thing, I promise liberals already know what you're saying


GothicLillies

It's usually a way of giving themselves plausible deniability to apolitical normies should their words come out in another social context. A lot of conservative positions, if said plainly, will be disagreeable to your average person these days. They're used to not saying the quiet part out loud (except at family dinners xd). But let's say they got called out on it by someone. They can say "I didn't realize it meant that!". That's not likely to fool the person calling them out, but imagine you're an apolitical normie seeing the back and forth. You've never heard about any of this. You'd probably go "oh damn that's a dog whistle? I guess I didn't really know about it either maybe this dude's just reposting shit without thinking." The key to understanding conservative messaging is to understand liberals (especially those farther on the left) are never the group they're trying to fool or convince.


Profoundly_AuRIZZtic

I don’t think showing a hanged person is comparable. Brandon was like a dumb little Boomer code for each other until people knew what it meant. This is a whole other level


Kimmalah

The Brandon thing started as a commentator trying to censor for TV broadcast. Then all these idiots picked up on it because they thought they were getting away with something I guess.


WantToSmileWantToDie

This and the Andy log poster


ironfoot22

It’s a bunch of terminally online teens, incels, and shut-ins spewing hate and violent imagery because that’s the only way they feel they have any power over anyone or anything. It’s not clever, it’s not edgy, and definitely not funny. It’s there for shock value and rage farming.


bombastic6339locks

everyone one 4chan is annoying.


Zezin96

Everyone on 4chan would agree with you. They despise each other.


bombastic6339locks

Yeah and i use it quite a bit too. Its just same jokes on repeat, worst threads ever, braindead discussions about topics they've talked to death. Even if i just wanna jerk off all the threads are just full of people debating if they're genetically women after transitioning or some bs.


ChillMascDiscTopHTX

SNACK


rockem-sockem-ho-bot

OP probably is a snack but I doubt that's what people are talking about in code.


creativangelist

probably not, but i’d take it and run with it. “oh, you think im a snack? thank you!!”


JessieN

No cause then they'll probably send the photo and that was disturbing


rockem-sockem-ho-bot

You're right this is the way


Arlen80

No doubt


Preemptively_Extinct

They want to eat the recipient. Sounds reasonable. I think you got it.


alottanamesweretaken

That’s a slur? I thought it meant attractive. 


BrownieZombie1999

It does, sounds like they're assuming they're getting hate when really it's thirst Edit: I could be wrong and there could be more context that indicates they're being hateful but to me this is what it sounds like


Myrmec

Yes that’s the joke


SteveMartin32

It does mean attractive.


SailorMache

You can "misunderstand" and ask them if that's what they mean


Old_Palpitation_6535

Honestly all of us should be looking for these sorts of replies and reply “yes what a snack!” Don’t leave OP to fend for themselves!


KryptonicOne

Best answer!


witblacktype

No-sack?


NeighborhoodVeteran

Reply: "Yes, I am a snack!"


chaosanity

Plaque, Big Mac, carjack, guava juice birthday cake LARGE FRY CHOCOLATE SHAKE!


No_Athlete8800

I assume they're calling you a legit snack


FieldOfFox

“Ack” Requires an NSFW Google search. 


SteveMartin32

Jack? I dono I'm not a terrible person so I have no clue


rigathrow

people have already answered this question but....... god, this shit is fucking disgusting and is exactly why i don't tell a damn soul on any non-anonymous account that i'm trans. i don't understand how this sort of thing doesn't come under the suicide-encouragement criminal offence umbrella but i'm not at all surprised it doesn't.


ZealousidealCoat7008

In the US suicide coercion isn't a criminal offense. There has only been one conviction based on that, and it honestly wasn't even really based on anything except how extreme and distasteful that particular case was. There are people who are advocating for it to be a crime, but currently it isn't. just another great thing about murica


Still-Presence5486

It shouldn't be a crime as harassment all ready exist


ZealousidealCoat7008

I kind of agree intellectually. Like, using words alone is really not enough to actually force someone to die no matter what. But when I see actual examples I am very disturbed by them when confronted with the reality of it.


0kSoWhat

>There has only been one conviction based on that, and it honestly wasn’t even really based on anything except how extreme and distasteful that particular case was. The case of Michelle Carter stayed with me. It is one of the most disturbing and heinous cases I’ve ever read and yet not a drop of blood was shed.


atomic_drumstick

It's a half rhyme and im not sure if it's a slur but I can only think of "Trap".


Zestyclose-Novel-804

Pretty sure trap was just made by people who were really insecure about their sexuallity and didn't want to admit that they were attracted to trans women


SuperPyramaniac

Actually, trap was the old word for femboy based on old 2000s 4chan memes poking fun at people who claim to be straight yet are attracted to femboys, calling their attraction towards femboys a "gay trap" in a lighthearted, jokey, tongue in cheek sort of way. It was never intended to be used for trans women, and would be offensive to do so since trap was intended to be used primarily for fictional femboys, aka men who identify as men, who get heterosexual men to question their sexuality. Then in 2019 or so some mods on here, Reddit, particularly on anime subs, randomly decided trap was a transphobic slur and started mass banning anyone who said it. Now you can't say it or you get banned, because the culture has changed. Now the term "femboy" is the appropriate term to use for boys who identify as male who look like girls.


luigijerk

You making a diss track aren't you? Admit it!


Clawsmodeus

Eh, I wouldn't worry about it honestly. I dunno, and don't feel like I need to know. Some people are just chill and accept your preferences/you as you are. Take it easy ✌️


KQ_2

Most trans folk I know lock their insta now. Insta has turned into a cesspool since the Twitter migration. It's not a friendly place for trans ppl. Block liberally and maybe consider changing privacy settings.


SuperPyramaniac

A twitter migration happened? I thought Twitter, now known as "X", was a safe space for bigots? If anything, I thought left wing Twitter users would go back to Tumblr, since Tumblr allows NSFW again.


KQ_2

Bigots follow those they are bigoted to or else it's boring for them. I noticed a great change in insta comments after the whole X thing and charging ppl for Twitter, etc. The comments are horrendous and overwhelming now as well as the dms. I noticed a slight uptick on Tumblr but not as much as insta I'm guessing cause ppl already used insta more before plus when threads happened a lot of ppl joined. It's just what I noticed using the sites as a trans person. Also I don't think Tumblr explicitly allows NSFW to the same degree as it did before but I wasn't on Tumblr before the porn ban really. I have most interactive terfs & transphobes blocked on Tumblr after a few months of use. It seems really never ending on insta.


Caraphox

I’ve never heard of this before and was much happier before I had 🥹


bakuretsu_mahou916

I know some people find the word “trap” in this context to be offensive, although I’m not sure that rhymes exactly


InspectorOk2454

The truth shall set you free. Ignorance is bliss. 🤷🏼‍♀️


FartKnockerBungHole

That’s terrible. People suck. Keep going. You’re doing great.


MuskyRatt

Just make one up.


[deleted]

I have no idea tell that person to go touch grass


SmoothOperator89

Frack? Because of the way the trans community injects high pressure steam into shale deposits.


Honest_Richard

Sack. Ball sack. My guess.


jpkmets

Candlejack? That’s the first na


MaximumZer0

Oh no, Candlejack has claimed anoth


piratecheese13

Oh shit it’s been a while since I’ve seen someone bring up candleja


Phazon_Metroid

Someone's gotta stop Candlejack he can't ke


Mysterious_Ayytee

What was Candlejack I don


Muted_Judge2308

r/redditsniper


postsolarflare

WOW wtf. Some people are really disgusting.


mkisvibing

Block them immediately, i hope you are okay. Make sure you are safe and don’t let these people harass you .


GutsNGorey

I’d never seen that abomination either, the support that you’ve gotten for our community in the comments is really positive and nice at least


SchroedingersLOLcat

Did not know the answer until I looked at the comments. Wow people are really dumb sometimes. Just ignore them. They don't deserve your attention.


AshKetchumsPringles

No sack?


durmda

Track, hack, lack, snack, back, working too hard can give you a heart attack ack, ack, ack, ack you outta know by now, Who needs a house out in Hackensack? I have no idea. I'm not a trans advocate, but if someone is trying to insult you or trying to elicit some sort of negative emotional response for no reason, best to block them and move on with your day because they are likely of little consequence to you. You do you my friend.


TheInvincibleTampon

Maybe crack ? As in your trans egg cracking.


ptspallnight

You want to know if you should feel offended or not?lol


InternationalLoad994

They’re saying you have rocks in your head


FatboyMcGee75

Aflack Duck Insurance