Well, I found a workaround if anyone else has this problem.

Import the 3ds file into Carrara.  Open one of the shaders (it doesn't seem to matter which one, just don't use the master - I used roof) and change transparency from transparent to none.

All the textures work.

Klebnor

Lotus 123 ~ S-Render ~ OS/2 WARP ~ IBM 8088 / 4.77 Mhz ~ Hercules Ultima graphics, Hitachi 10 MB HDD, 64K RAM, 12 in diagonal CRT Monitor (16 colors / 60 Hz refresh rate), 240 Watt PS, Dual 1.44 MB Floppies, 2 button mouse input device.  Beige horizontal case.  I don't display my unit.