I know whenever a game swears, my wife makes me turn the volume down or makes me wait until the kids are asleep before I can play. <img src="smileys/smiley19.gif" border="0" align="middle" />
Think about this:
Top grossing movies are seldom rated R in the US. If a movie says the F word about three times its a guaranteed R rating.
The video game standards are a bit backwards compared to movies. Movie ratings tolerate a number of violent scenes so long as gore and blood is kept down. Any war game with a slight pinch of blood when you kill someone in a video game seems to get it a Mature rating off the bat, which otherwise would have made a PG-13 movie.