Willyb53, thanks for the suggestion, Latexlove, I just sitemailed BB, thanks!

All images attached as one image... 1st image is my settings, 2nd is rendered with the light, IDL disabled, as you can see there are some reflection, especially noted from the ground... a stage, 3rd is a specular light (willyb53's suggestion) with IDL enabled.

The mat settings on the 2nd is the car, the 3rd is the chrome wheel.

Crap, I have to go somewhere for a few hours, so I won't be able to reply or look at answers for a while, will reply when I get back.  Thanks for everything guys!

...wolfie