Create a high-quality, detailed 3D model of a bipedal, anthropomorphic tree frog. The design should feature the frog adorned in a traditional jockey suit, complete with appropriate racing accessories. Additionally, the frog should be depicted riding a large lizard, which is characterized by a long, gracefully curved tail. Emphasize intricate textures, colors, and anatomical accuracy in both the frog and the lizard to ensure a visually compelling representation.