Board Thread:R2D - General Discussion/@comment-26285102-20150406195002/@comment-25250213-20150406203502

Anti-Free Model Account wrote: @Xeria: It seems you're the retard here. Everone knows that lay-by is free modeled.

No, you are the fucking retard. He is obviously referring to holdout. If it is not clear than he is referring to the way you got the data. You don't do any research and you just assume.