In your nwn folder. Look for the nwnplayer.ini file. Under the [Game Options] add this...
[chat Colors]
TalkColor=240,240,240
ShoutColor=255,105,180
WhisperColor=148,0,211
TellColor=220,20,60
ServerColor=176,176,176
PartyColor=218,112,214
DMColor=16,223,255
To change the ingame chat, if you're using thought bubbles or such. Use </c then double space and start typing what your loon is thinking or jutsu calling.
There's more stuff but I'm too lazy to dig around. If you know more. Feel free to add
