I would like to see the chat system as text and proximity voice, I know there are voice chat applications out there but implementing this into the game can make for less hassle for the gamers. That way if people chose to chat either way its available, then for guilds they can have their own dedicated voice option via the vioce applications like Mumble or GameFox seperate form the game. The fadable or toggable option is a great idea and I completely agree.