At engadget, the predictive work function is swear word ready..

Quote:
Steve must have been a sailor in a former life, because it's been a while since we've seen a phone dictionary come preloaded with so many US swears. The iPhone even supports multiple forms of the mother of all curses -- truly, a versatile word for a versatile phone. Now go wash your mouth out with soap, mister.
Supports
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*****s
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Microsoft
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iPhone: pottymouth friendly - Engadget