I out put from Xera was mainly used as Mask. The Color was define in an Edited version of the Xera exported bitmap. Here is the Color Map of the Texture
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I then Make a Normal map for the Coins. With XNormal
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I import the phone into Carrara6.0 I added a white ground plane. One distant light and three white plains above the phone to give the reflection some definition. I added the coins and render.