Hey Mark , 

 Thanks for the info.  

  As far as the bump goes , I am using "terrain bump" which really makes  a big difference . If I remove the Terrain Bump function then the terrain looks very flat so I have to keep that for this go around. 
  I could probably do something with the haze layers and the volumetric clouds which also are render hogs.  My problem is I only have Corel Draw,Corel Photopaint and Corel Rave to use as my effects compositing tool.  I did use a layer in the animation for the small lights on the buildings and the main light effect , but this was just a black and white image which I used as a layer and then I used the "Add" as the layer type.  
  I don't know if I can use alpha masks in Corel Rave or photopaint.  Hopefully the haze and cloud layers does the trick.

 Thanks again and that highlight/bump trick sounds cool.

Mike