I mean .... sometimes .
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I think you're having a Freudian moment, dude.
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its because the sun is shining on the moon and since sometimes where in the way, thats why it look like a banana
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When the moon is arranged in relation to the earth such that the only reflected light to us. It's hard to explain without making a drawing, but this link shows you why. I hope this helps.
http://en.wikipedia.org/wiki/File:Moon_p…
http://en.wikipedia.org/wiki/File:Moon_p…