Not an insult but my memory flood reminded me of
"Quack diddly oso
Quack, quack, quack..."
Apparently there's a bunch of variations
http://en.wikipedia.org/wiki/Stella_Ella_Ola
And this one
(copy&pasted from google)
"GOOD GIRLS SIT LIKE THIS (fingers crossed- meaning good girl cross their legs)
BAD GIRLS SIT LIKE THIS (index and middle finger pointing down [as if they are supposed to be legs] but they are squeezed together, so that they're touching each other with out and space in between)
AND GIRLS WHO SIT LIKE THIS (fingers pointing down like previous "this" but now they are not closed, the fingers are open [as if you count to "two" on your fingers, but pointing down]-open legs)
GET THIS (middle finger pointed up- as in flicking someone off, meaning "f" you, meaning f***ing, meaning having $3x)
LIKE THIS ( snap your fingers, meaning in a snap, like snappy, meaning really fast)
so all together it goes,
GOOD GIRLS SIT LIKE THIS,
BAD GIRLS SIT LIKE THIS,
AND GIRLS WHO SIT LIKE THIS,
GET THIS, LIKE THIS....
so all in all it means, good girls sit with their legs crossed, bad girls do not cross their legs, but still sit with them closed, and girls who sit with their legs open, get f***ed in a snap."
Except the version I heard had "Pretty" in place of "Bad"