Rose Chasseur: Of course, we'll have to see what happens with interest rates in the new year. Caroline Chasseur: Cocksucker. Rose Chasseur: What did she say? Gary Chasseur: She said, "cocksu--"
After Lloyd tells everyone that they are getting divorced, the family goes back to opening presents. No one likes anyone's presents and Lloyd gives his present to his mother, Rose. It is a payment on a loan from her. Caroline interrupts with an explicit comment.