MATERIAL
A material is a script that describes a surface. It contains information about textures, transparency and other things that cause a surface to look and behave in a particular way.
Most surfaces do not need special material parameters, only textures need them. That is why a texture can be used directly on a surface and the material for that texture will be automatically generated based on the texture name while loading the texture. If the texture name.ext (ext is jpg, png, tga or other) is used for a surface, then:
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name_n.ext or name_b.ext are used for a normal map or a bump map
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name_s.ext is used for a specular map
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name_e.ext is used for an emission map
A +material is a resource and can be placed in libraries. The default directory for materials is materials.