Tony, we tried the Zoom captions for our HLAA chapter's holiday social. They worked well. For our regular meetings, we hire a CART provider whether meetings are online or in person. It costs around $250 per meeting to have CART. Fortunately, our state office for D/HH allots some funds for us to draw from. We will continue to use CART as long as we can afford it. This is the only way to go with regular in person meetings. Virtual meetings become a choice. We have the Zoom Pro program, so the captions are included now. While there are a few errors here and there, for the most part if people are paying attention, it's pretty easy to 'fix' the incorrect word(s) because they are aware of context. You are correct some deaf speech or foreign accents will distort the speech to text captioning. A group using the speech to text feature would have to make decisions based on the situation and the funds available. Speech to text is something we early HLAAers often discussed and dreamed about 25 year ago. It was like science fiction. Amazing how technology has changed since then.