Chat and User Name formatting and bugfixes and comments, oh my!

This is the result of spending a bit of time cleaning up some things
from the last commit.
- fixed chat message formatting.  It now displays up to 4 lines of text
(mostly) correctly
- added a 32 character limit to usernames
- few minor bugfixes
- LOTS more comments than before

Next update will probably focus on adding a cursor to the chat input
box, and giving controls for navigating a message in progress.