*Actually in the post I said I thought i would need to do that but wasn't sure if it would work. I didn't want to attempt it to create something else that would also not work. Basically I was fishing for the right way to create the needed texture. At the time I didn't think about the black for transparency rule for Poser4.
In this texture you placed on the plane you have black text...yes? And then you ramped up transparency...yes?
When I tried it there was no black in the texture I used to texture the flat plane. It was just a generic color water ripple texture. So when I ramped up the transparency it didn't work. it took me a while to figure out why: There was no black in the image I used.
Now take the same flat plane, create a water surface ripple in BLACK & WHITE where the black becomes transparent and the white acts as a solid mask, same as the color portions of your sample render....yes?
that was the problem I failed to understand then. Now I understand it. That is why when it came to me I mentioned it to my friend over at the other site. who had the application necessary to create the needed textures for trying the idea.
I am just a bit slow in working things out that is all.

As far as all the time I have spent here. I don't render with this computer I am posting here with....yet! So nothing was lost. been too busy of late looking for real work to mess with this project. I posted the request to get my ducks in a row and now the needed textures to work on the project as soon as I am able to.

:)