Bryster, thank you.  I somehow did this as you can see in the shot I posted at the top, I just don't know how I did this.  But it was a hard lesson in saving that I went through, and I learned it.  I mean it looks like the water has waves, or is that just using the bump height?  All I can say for a fact about it was that it was done in the material editor.  Oh, and the level of my 3D experience is basically nothing, only really what I put at the top of this forum.  Thank you Bryster, any help is appreciated with this.  And for earlier, I was tired and overwhelmed with the sheer complexity of how Bryce works.  Thanks for your quick reply to that, I was about to uninstall.  Gonna keep at it now though.