Vizard water surface and fabrics?

[Darkmax]

i was searching in the forum and found a thread about water but is with a plugin and i cant use plugins because i have vizard lite.

My question is if there is a way to simulate that something like the video that is in the vizard portal (Virtual Vacation) cause i want to make a beach scenario so i need to simulate the waves in my project.

I heard some where that a shader is the best approach but i dont know how to make a shader

And the other thing is to simulate fabrics like clothes, towels, and flags, cause in this simulation i want to have flags, and towels around the beach moving with the wind force, maybe clothes is more difficult but if there is a way i would like to hear it for future reference.