I have seen some fabulous textures with jewels on both body and clothing items. How on earth is this achieved?? Is there a tutorial? I have tried, but they come out looking all flat and stretched lol so I am completely lost and really really want to get this effect. Any help will surely be appreciated. Thank you.

Make your jewels smaller, each one should be no bigger than the one tiny square on your uv map..where there is stretching in the fabric you may need to make them even smaller so when they stretch they are the right size, a little shadowing around it helps it look not so flat...Hope this helps, TheMadPainter