Hrmm.. TK can you do the following for me:
1. Remove any and all JAVA installs (this would be any of the JRE)
2. Reboot your computer
3. Open a browser and go to here:
http://www.java.com/en/download/manual.jsp
4. Under the Windows section, click the Windows Online and follow the instructions
5. After re-installing, go back to the link and click on the "Verify" button. If that works, try chat again.