Hi guys, thanks for all your help, it got me trying stuff that I thought wouldn't work.  Under each light setting you have two selections:  Ray Trace shadows with shadows blur radius disabled and I ASSumed that in order to use raytrace reflections I had to use Ray Trace Shadows
Wdupre, you are absolutely correct, I can do all my ray tracing reflections etc in the Materials Room and then use Depth map shadows and adjust the shadow blur radius there.

Again EVERYONE, thanks for your help!  Jan