instruction:
In this task, you are given a public comment from online platforms. You are expected to classify the comment into two classes: toxic and non-toxic. Toxicity is defiend as anything that is rude, disrespectful, or unreasonable that would make someone want to leave a converation.
question:
Comment: Having reviewed the content of the article, I can see the potential drawback of this product  offering. -However- It has been a useful product for me. A Schedule 'A' bank offered me a 'HELC' after I put down $50K to purchase a $ 177K home purchase at 3.7%  in '2010'; interest only payments if I wanted. I chose principal and interest payments. -Then- In '2015' it was suggested that I take out a mortgage for the residual amount owing on the HELC at 2.24% ; continue paying principal and interest, and save approximately $16 K in interest . -Now- I was informed that I could borrow against the increasing HELC credit portion available but at 3.7% interest rate. -Although- The rate was better than a unsecured/ secured L/C, I have not now nor ever intend to do so. -And- When the mortgage comes up for renewal in '2018', if the rate is not better than 2.24%; i.e. if the rates go up, I can always convert it back to the HELC at the fixed at 3.7% at no cost. No problem  in my case that I can see.
answer:
Non-toxic


question:
Comment: You might go back to school to know the difference between "your" and "you're".  "Gun owners" should be singular as well.  Bad grammar is a dead give away for being uneducated.  Uneducated often but not always means close-mindedness.  Coulter is just plain stupid to support this racist jerk Trump.
answer:
Toxic


question:
Comment: IRT 808Ikea, it's one big Fake News.  NSA Director H.R. McMaster participated in all the discussions with the Russians.  What has America reduced itself into believing U.S. Officials (not even Sr. Officials) over President Trump and Dir. H.R. McMaster, plus other WH Officials? Auwe.
answer:

Non-toxic