1. A I T W ER- 2. F H E C -
3. C S H I ERA-
4. O T E H S S-meaning
5. U P S R E I V O RS -​

it can be both; depending on the situation at hand.

explanation:

let's just say i get in to a confrontation with someone, and they say "ur mom", it could be seen as an insult. or depending on the relationship or comfortability with the person it may be seen as a joke. the distinct line is how the chemistry behind the confrontation.

answer:

provide an image or a text of the story.