Wow. I have a lot to learn before I can "chat".
Here is what I did learn on my first foray into the chat room:
1. Have a drink on hand (and drink some first).
Guess that is all!
I NEED to learn:

1. How can I make the font larger and still see what is going on? I found out how to enlarge the font, but then it seemed like the screen was only showing part of (and, unfortunately, the earlier part of) the rapidly moving conversation.
2. How can I change the background from the photo to something light colored?
I think I'd do much better with BIGGER letters on a LIGHT background... at least I could then sit back in my chair, drink in hand, and read in my refreshed and relaxed position.

Hmmmm.... so that is what chatting is all about. Kiva Friends are so educational!
Safe travels,
Laurie