The subject of this paper is the treatment of rocks - and, especially, fluid-saturated and partially saturated reservoir rocks, as composite visco-elastic media. By this we mean to study and partially answer the question of how the effective material (frequency-dependent and complex-valued stiffness/density) parameters can be estimated from a knowledge of the constituents of the rocks, their volume fractions, the statistical distribution of sizes, shapes, orientations and positions of the individual particles (minerals of quartz, clay, etc.) and cavities (pores, cracks, etc.); in addition to parameters related to the fluid and its ability to flow, at the scale of the microstructure as well as that of the wavelength (assumed to be long compared to the scale-size of the microstructure).