You can save it as any image file supported by Poser for texturing: JPG, BMP, TIF, PICT, etc. Textures should be placed in the Poser Runtime:Textures folder, usually in an appropriately named subfolder within. This just makes it easier, more standardized, and faster for Poser to find textures. To apply a texture, you must open up the Materials dialog (v4) or the Material Room (v5) and apply the texture image to the figure or body part. It doesn't just "show up" when you load Poser. Have you checked the manual?

C makes it easy to shoot yourself in the foot. C++ makes it harder, but when you do, you blow your whole leg off.

 -- Bjarne Stroustrup

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