If you were a fly on our wall, you might hear something like this:

N:  We are not allowed to say the "S" word. 

D:  What about the "D" word.  We aren't allowed to say that, either. 

N:  The "D" word?  What's that... Oh, I know.  What about the "F" word?  Mom does NOT like the "F" word. 

At that point, I'm like, what in the world?????

Then I decode their words.  S = stupid, D = dumb, and F = fart.  Those are the worst words my kids know. 

This morning, B came down wearing overalls looking all cute and everything.  Princess C comes over to me and says, "I want to wear oreos."