I don't chat at all. I have an ICQ account but only use it to talk to a couple of people simply because it doesn't cost me anything to use it.
I suppose if I found people to chat with that I liked or respected enough and if I could find a topic we were all interested in then I might. Those are a lot of ifs and in my opinion it not worth driving myself crazy trying to satisfy them all which is why I don't.
I prefer forums like this where I can get peoples opinions and don't feel obligated to post or respond to them.
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