D|S does refraction, but only to change the way things look through a refracting surface (so you can get the broken pencil effect) - what I was saying it doesn't do, and nor does Poser, is change the way the light shining through a refractive surface illuminates what's below the surface. As a result you really need two different lighting set-ups, one for below the surface and one for above, which is why I suggested using two renders and mixing them.