pakled is right, P4 only reads up to 256 folders, and MAT files can be renamed with the .cm2 extension and placed in the camera folder Unless you have (or intend to upgrade to soon) P5 or P6, hogwarden's PBoost can help solve your problems. It allows you to use nested folders in P4, and switch between them within Poser.

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If you're joking that's just cruel, but if you're being sarcastic, that's even worse.