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Self defining. A [mentally challenged] ho'; but good as an [immediately] [recognized] all purpose insult (the emphasis is way more on the 'tard' than the ho) in the New Orleans area where the Hotard bus company runs Hotard labelled busses throughout the city. It is usually used in disgust over anything from stupidity to sloth, close to a fighting word, (almost always preceded by the f-word) but is considered a term of endearment within some echelons of New Orleans society.
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