A liar? What have I lied about? I'm an insurance broker in a small firm located in Grand Rapids. I have a Bachelor of Science degree from the University of Michigan..judging by your vernacular and hostility..I'd say you are most likely not more educated than I. And the definition for vernacular is "the language or dialect spoken by ordinary people in a particular region or country." Just figured I'd save you some time so you don't have to look it up.