Code:

---

effect=

"

	texture texSkin1;

	texture mtlSkin1;

	matrix matMtl;

	technique cubic_environment

	{     

		pass p0

		{

			Texture[0]=<texSkin1>;

			Texture[1]=<mtlSkin1>;

			

			zWriteEnable=true;

			AlphaBlendEnable=false;

			

			ColorArg1[0]=Texture;

			ColorOp[0]=Modulate2x;

			ColorArg2[0]=Diffuse;

			

			ColorArg1[1]=Texture;

			ColorOp[1]=BlendCurrentAlpha;

			

			AddressU[1]=Clamp;

			AddressV[1]=Clamp;

			TexCoordIndex[1]=CameraSpaceReflectionVector;

			TextureTransformFlags[1]=Count3;

			TextureTransform[1]=<matMtl>;

		}

	}

";

---

you could use this effect. the alphachannel of the model texture specifies how reflective the texture is.