TNSNAMes - 11g & TOAD 11

In my continuing saga of loading 11GR2 with a rusty mind, I've successfully loaded 11G 64 bit, crated tablespace, datafile, user and loaded 32 bit Instant client for use with TOAD 11
I loaded TOAD 11 and it's having a hard time connecting. (ORA-12154 TNS could not resolve...)
I'm assuming it's because of TNSNAMES.ORA.

I loaded my client into a D:\app directory as per default. I loaded Oracle into d:\Oracle\.....
Currently I see a correct TNSNames.ora in d:\Oracle\product\11.2.0\dbhome_1\network\admin

Where does the TNSNAMES have to be located, in the client directory somewhere?


Jerry
(Arggg!)