Jeri, there is a very big difference from being civilly argumentative and serving out vicious foul personal abuse.
Personal abuse ruins forums....as a moderator, you should know that and we shouldn't need a rule book to know what is acceptable.

The same two people get off with cursing directly at other members, stalking, and insulting, in order to have threads shut down.

When one does not possess a reasoned opinion, personal abuse is brought into play.   "The real last refuge of a scoundrel"