"the site later allowed websites to merge the toolbar with their own user account systems — which has fared better. "

Exactly. And this puts them in an entirely different category from Meboo, etc. Anybody who ever ran a forum and has tried putting a real time chat on it will know this. TC got this slightly wrong; the only real competition out there is RealChat. There are simply no other solid solutions out there. I do this search every year and come up empty handed. As for RealChat, it is too expensive.