Real Glossiness Reflection

Real Glossiness Reflection For Vehicles! Any Idea How To Add This Effect For Water Surface?

d_surface_reflection.cs ? Combine Reflection Texture With Water Surface??! (Bump + Reflection)
d_surface_reflection.txt ?

d_water_transparency.cs ? Create Manual WaterRGBA Command,to Work For All Water Texture??!
d_water_transparency.txt ?