I was told that 100 credits = 1 conversation and 1 conversation was 1 dollar - and that you offer monthly credits in packages of 100 (1 conversation), 1000 (10 conversation), or 10,000 (100 conversations). One is all that accurate? and two, I was told you will not be automatically billing upwards currently, but that may change. If you do bill automatically, since you do with everything else I assume this is headed that way too, what is above 10,000 credits/month?