Model problem

Hey folks, been playing with the Demo for a little while now, it's a great tool (torque3d) so far but I still have some questions lying around.
- Can anyone explain why models appear white when you enable HDR?
- And also why the Tone Map seems to have no effect when you enable HDR :/

- Final question that is, after scouting trough the licensing and such, and the forums, I couldn't quite make up from it if the physics that's integrated in T3D comes free with the license of T3D or not.. am worried I'll eventually have to pay Nvidia a few ton, or something akward like that.

Thanks a bunch already!
-John