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That is a common misconception of chat.  Man power - most chat technology is presence aware....means that it only offers chat on your website when someone is physically in front of the computer. Internet Savvy - if you can write an email you have the skills to type a message back and forth via chat.  A lot of companies will try to scare everyone and say it's some VERY complex technology and you can't handle it but it really is a very simple tool.  When you are in front of your computer if someone wants to chat you get a pop up window with an sound/alarm that will tell you that someone wants to chat and you accept the conversation and use canned messages and type custom messages in the field provided. 

If anyone tries to tell you that its more than that THEY ARE LYING!!!

yes you need to know what to say but you figured the phone out so you will figure this out as well. 

There are companies that will answer them for you and send you the lead as well if you feel you can't handle it but try it first and then give it to them if you truly feel it is too much for you. 

I have signed up hundreds of accounts and not one has changed processes or hired additional people for chat.  You don't change the process when your phone rings you don't change the process when your computer rings. 

I know some chat companies and lovers of other chat companies may have a problem with what I have said.

disclaimer- some dealers are capable of answer themselves and others are not.  You decide what dealer you are and don't get sold by the fear tactics of some.

Have a blessed day and spread your wings and try something new.