Rog, yep, it downloads perfectly now, wish I had half the gift that you do with .hap files.
I've figured out now how to include texture files which should make it all easier.
I'm still working on getting the dress to fit, somewhere I'm missing something. I know there has to be settings that tell where it's solid, but so far I'm not having any luck, this is my first real run-in with 3DS Max, I'm used to Poser, something I just thought of I'm going to try next, I'm going to try loading the Fullbod.obj that I created into Poser, put the dress in posr and try morphing it to fit there and then export the dress and reload it into 3DS.
I know they sell plugins for 3DS that do cloth collisions but I don't have the spare $300 & up.
Neil: good work on the skin, I think what we all need is for someone that's GOOD at skin & skin shading to create several different full nude textures, and then for the rest that are good with doing the clothing to use those. That would give us all some great looking new textures & looks for our girls.