Thanks all.  I can open the presets from the background menu on the Scene, but there is no way I can see the backdrops or backgrounds in the browser.  When you say add by hand, to put the folders into the preset folders and then use update folder in the browser?

I have also noted, now that I have it working, that the HDRI needs the ceiling off of a room to work.  If I just remove a wall, then all the light is coming from the direction of that wall.

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.