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Yes. Billing covers the full length of the session, including the time the expert spends writing. It works the same way as a phone call.
Yes. Billing covers the full length of the session, and that includes the time the expert spends writing their answer. It works like a call: the clock runs while the session is open.
You get told this up front so you can decide with the full picture.
Two things help you get more out of each minute:
If you would rather read without the clock running, open the chat without balance and go through the conversation calmly.