When you enter the club, you will see that Chat is by default Set to Lurkers.
|When you are:||Chat Default is to|
[Enter your chat here] = the area to type your message
You start typing on your keyboard, and the chat field will turn yellow and your text appears by default in the appropriate field.
Press Enter (or the blue arrow ) - your message goes to what your chat is set to right of the arrow
This is how it will look after having pressed enter:
The Cogwheel has various options. Press an option to Turn ON or OFF