My greeting to Anya!!!!!

[relsoft]

Dude, that ripple effect is so cool.... but why did you have to use so much RAM?

If you could tell me how to make that w/o using at least 3 buffers then kool!!!

Ripple works that way. You need 2 arbitrary buffers to simulate it using area sasmpling. The tutorial I've read is from GameDev.net and Hugo Elias'. The Refraction I got from biskbart(just a bump map).