The frames are a key part of the cloth room. I'm new to Poser and know nothing about animation, so it took me awhile to figure out that part. But I did it, and if I can, anyone can. :-) Basically, you can't drape cloth without creating an animation. Yes, even for a still image. After you run the calculation, go back into the pose room and use the animation slider to run through the animation you've created. (If you're like me, you've probably never touched the animation menu before. But you have to, for cloth.) If you're on frame one, it may look like it didn't work. But move through the other frames, and you should see the cloth start to drop into place. When the cloth is where you want it, stop and render that one. Also, for what you want to do, I would choose "Figure 1" (or whichever figure Mike is) for the collision object, rather than a particular body part.