What kind of program, site, software to create virtual world?

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I don't know of many programs about that specically, If your trying to create any computer program without programing in hard code language. Then Visual Basic is a good program that works.

Unity 3D but you'll have to build the parts for it in something else like maya or 3dsmax, these cost a lot so I would say get blender it's free!

http://unity3d.com/

http://www.blender.org/

java