Allright, I don't know how many of you are from the South, but from where I come from you can TOTALLY slam someone, almost to their face, as long as you say "bless his/her heart" afterward. Everyone around you knows what you're talking about and usually nods in sympathetic agreement; i.e.----
(all of these must be said with your best Southern drawl)
"He's just as dumb as a stump, bless his heart."
"She's just a little ho, bless her heart."
I'm not really sure if this would go over anywhere else so please use with caution in your area of the country (world).
"The major difference between a thing that might go wrong and a thing that cannot possibly go wrong is that when a thing that cannot possibly go wrong goes wrong, it usually turns out to be impossible to get at or repair."
-Douglas Adams, Mostly Harmless