Attached Link: http://www.eurus.dti.ne.jp/~masasi/PROGRAM/indexE.html

What version of Poser? You could try Masa's DropMaker for Poser 4 - tutorials at the link. You can download the application from there too. This uses Poser's 'secret' hair generation, so it probably won't work with Poser 5; I don't know if anyone's tried it. I don't think the images you've seen will be using modelled water beads, though. You could try IMing the artists to ask how they did it.