Thanks folks!

The solution I came up with is exactly what I wanted...

1. Create a second skin using 2ndskin.exe

2. paint your image over the body template.

3. delete body in favor of white background.

4. Save

5. Reverse (make negative) image.

6. Save

7. In material room, load image 1 as texture and image 2 as transparancy.

(Now, why was there nothing ANYWHERE that told me how to do this???? ROFLMAO!!!!!

Thanks again!

Doug