I use also formZ RadioZity there is amazing displacement option, the best is that you can export the model deformed after adding the displacement map.. that is really cool.. Poser5 firefly have great options as well, you can create almost every material you wish.. I use very much diffuse maps, you don't need so much light and shadows this speed your rendering very much.. in some settings it make self the materials looking little transparent however they are not, for example the cloth above, it is just hard square but it looks soft, now adding the displacement map and velvet shader it will make from it fatnastic material and real too..

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