After closing the window **without** clicking "apply", here's what I got when I re-opened the same window. The settings went back to the way they were before. 

Also meant to ask you, in your screenshot of your D3D settings, a couple of the words (ie...Light, Shadows, Raytracing, etc....) that are in those boxes are not the same color as mine.  Some are red, some are green, but they don't match up exactly to yours, and I'm not sure how or if I can change them. Does the color make any difference in the setting and the render outcome?

Great to get this going in the right direction, much appreciate all the help from everyone here! :-)

(Btw, I changed the poser_surface settings for the TShirt to match the P7 Ben's Tshirt settings and it cleared up all the shininess I was getting in the render.)