Thanks a ton guys.
XFrog is not that difficult to master. The most time consuming part is photographing leafs and tree bark then using a clipping path in Photoshop to prepare them for export as a Tif file with alpha. Really, once you understand the logic behind Xfrog's creation process it's a snap.
Last year I purchased Greenworks billboard trees to incorporate into my Architectural renderings and they worked great. So, I found that I needed the 3D stuff for exterior shots and got XFrog 3.5. Posting them here has given me the time to figure out the program and allow Planetside forum members to benefit. Everyone here has been very helpful with my learning Terragen and I want to give back to the members.
The image posted is a sample where I used the billboards. (outside the windows)
Thank you all.
Marc