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XO and KD are very similar. Laid back, chill, however you want to describe then. They cross rush a lot and girls in both houses are friends. Phi Mu is more into appearance. I think a good way to look at it is Phi Mus would rather party at a martini bar and XOs and KDs would rather be at a keg party. Does that make sense? I saw a good description on this site - say you’re at a pool party. If a Phi Mu gets pushed in the pool she’s going to be mad. If a XO or a KD get pushed in she’s going to laugh and then push her friends in too. I’m in a NR house but I think XOs and KDs are more fun and less pretentious than Phi Mus.