Is the word "retard" actually rude or was it just made that way, due to political correctness?

Is it politically correct to not use it or is it actually rude. This is kinda touchy subject matter and i apologize in advance. I think it's always been just plain rude.
It's not politically correct.
It is actually and has been just plain rude.
I don't see anything wrong with it
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Is the word "retard" actually rude or was it just made that way, due to political correctness?
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