there is a program called Cosmopolitan Virtual Makeover... the first version used targa image files...easy to paste inot a poser scene... the later ones could be useful, but not as easy..you have to do a lot of editing to get the hair out, the hair files are embedded in a proprietary format...but probably easy for you PS experts... the price is LOWWWWWWW

Humankind has not woven the web of life. We are but one thread within it.
Whatever we do to the web, we do to ourselves. All things are bound together.
All things connect......Chief Seattle, 1854