For several RocketTheme templates (particularly the versatility 4 template)... there is a javascript conflict that causes the Chat window to appear OVER the page template rather than inside of it.  To fix this... do the following...

1. in templates/rt_versatility4_j15/ folder, open rt_head_includes.php, then delete this line:
   <script type="text/javascript" src="<?php echo $this->baseurl; ?>/templates/<?php echo $this->template?>/js/roksameheight.js"></script>
   
2. in your template_css.css at the bottom, add this line:  
   #maincol .main-height {border-right:1px solid #ddd;border-left:1px solid #ddd;} 

Then give it a whirl.  The above changes disables the roksameheight.js code... which has little effect anyway on the whole template.  You won't even really notice it.