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: Bill gates is a sick fucking murderer that needs to die already. Him and his fucking wife. They are straight MURDERERS!
answer:
Toxic


question:
Comment: again you alt lefties are ignorant of facts,, 

last year of bush, deficit was 458 billion
then 8 years under obama they were in order, 1.4413 Trillion, 1.294 Trillion, 1.295 Trillion, 1.087 Trillion, 679 Billion, 485 Billion, 438 Billion then 587 Billion,, the deficits are ANNUAL not accumulative that is the total debt buddy... and obama ran most of his years far worse than bush ever did...

so take your ignorance and learn facts before you look so stupid
answer:
Toxic


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