Poser3 does indeed come with sample horse animations ... specifically a trot and a walk. They are in the "Cool Stuff in Here!" folder on the CD. They come as pz3 files but it is a simple matter to save the animation as a multi-frame pose for future work. If you can't afford to upgrade to Poser4 right away, there's a good chance that the price of Poser3 will plummet in online trading areas such as eBay after Poser4 is released. Mind you, this is pure speculation on my part, backed by thousands of historical precedents. Gaius