The swear rating is calculated using a secret (and stupid) formula. It gives credit for the variety of swear words, the raw quantity of swear words and the ratio of swear words to non swear words.
The maximum possible score is about 20, but you can cheat a bit to get higher. The lowest score (with a swearword) seems to be 4. The formula will probably change, as it currently gives a bit too much credit for your first 5 or so words.
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