This one uses the reflection map that will be included with my Hot Dog Cart which I hope will be available from DAZ soon. It's a collage of New York city street scenes but will work well for most urban settings. The high number of verticals and visible traffic contributes to the urban environment. Notice, though, that there's a visible singularity on the sphere itself. This is caused by the way the map is applied. Camera angles can hide it, but it's generally only noticable on spheres and oblate spheroids and such.