Обычный чат на пхп

if($_POST['submit'] AND $_POST['text']){
    mysql_query("SET NAMES cp1251");
    mysql_query("INSERT INTO caht VALUES ('','$_POST[text]','$_SESSION[login]', NOW())");
    exit(header("location: chat.php"));
}
$rew = mysql_query("SELECT * FROM caht ORDER BY 'time' DESC LIMIT 10");
mysql_query("SET NAMES cp1251");
while($row = mysql_fetch_assoc($rew)) {
    echo "$row[time]:$row[login]:$row[text] <br>";
}
 
echo "<form method = 'POST' action='chat.php'>
      <textarea name='text'></textarea><br><br>
       <input type = 'submit' name = 'submit' value = 'Отправить'>
      </form>";