Best way is start poser and load a box from your propfile. Tnen go to Render>Materials>Load Bumpmap, and find/select the .jpg you want to convert, click open. A window will open, "Image files must be converted to BUMP", click YES. Do this before useing the figure/object and poser won't keep asking for the missing files, even stalling. A little trick I use, I don't use the bumpmaps till my final render. Bum takes a lot of space, very big when converted. You will be able to work on your scene without fear of crash. Save often so you don't lose all your hard work.