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The key to solving fine-grained image categorization is finding discriminate and local regions that correspond to subtle visual traits. Great strides have been made, with complex networks designed specifically to learn part-level discriminate feature representations. In this paper, we show that it is possible to cultivate subtle details without the need for overly complicated network designs or training mechanisms - a single loss is all it takes. The main trick lies with how we delve into individual feature channels early on, as opposed to the convention of starting from a consolidated feature map. The proposed loss function, termed as mutual-channel loss (MC-Loss), consists of two channel-specific components: a discriminality component and a diversity component. The discriminality component forces all feature channels belonging to the same class to be discriminative, through a novel channel-wise attention mechanism …