THanks. Setting the bump at .02 looks good even if the bump image is at 100%.  I am going to use this to creae image animations so render time is a huge consideraton too. Thanks for you help as I will continue to mess with this.

I'm not sure how to use ambient occlusion on the material but will look into that....

Windows 10 - Poser Pro 2012 - 64Bit - 24GB RAM - 4 x 3.40 GHZ processor