Well EB, I am pretty much sold on P3Do for now..There are just are not very many programs out there that can do the work of P3Do...It is to bad that Poser isn't in an easier format?? 3D Explorer doesn't make the grade... My point about software insurance is this; when you install an E-mail certificate(Verisign)You not only register and authenticate yourself to you clients.You also are insured.This means that if I sent you an e-mail and it destroyed your computer/or if I tampered with your computer. you would be protected under my certificate policy. However if the same thing happened to me viceversa I would be protected up to a defined amount of dollars.My point is that now a day's you can purchase software that cost as much as 1200.00?? and it can have bugs and cause damaging effects to your computer???right?? Here is another example!! Computer power transformer outlets??? those square boxes that can hold up to six electrical plug-ins??? A company(to name one of a bakers dozen) "Isobar"!! Isobar makes these outlet extension cords that a guaranteed to work. If??"If" the outlet plug fails and causes damage to your electrical stuff the company will pay you for the damages..