First used by some internet hound who goes by Reservoir_Dog. It's used to slam someone who ends a forum post with "fact", but in reality that persons facts are completely retarded.
"You Sir, are a fact-tard."
See fact, retarded, untrue, wrong
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Random Words:
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<u3 means your in my heart
i love you nicole
frankie: hey <u3
nicole: <u3 too.
See your, in, my, heart, u, 3..