Greetings! I've decided to dip toes into HDRI. I modeled my object, and placed it in one of the Cararra preset scenes (the one with the coronet). Here's that render: http://home.earthlink.net/~tacallender/HDRI_case_preset.jpg

Then I decided to get cute, and found a kitchen interior HDRI file, and tried that out. Here's the result:
http://home.earthlink.net/~tacallender/HDRI_case.jpg

As you can see, in the second example, it looks like a gang of five-year-olds left fingerprints all over the model.

I removed all bump settings from my shaders, there are no mixed colors - really, the shaders are quite basic. Does anybody have any idea what might be causing the fingerprint effect?