Go get the free Alphaworks plugin for photoshop.

Use the Lasso tool to select the Pubic Hair area, on a brunette texture.  Copy. Paste, onto a new layer.

Edit > Image Adjust > Desturate.

Edit > Image Adjust > Invert

Edit > Image Adjust > Levels, to get the blacks Black, and whites White.

Use the Alphaworks plugin to clear away all of the black and grey.

Now add a lyaer under the Paste Layer and fill it with Black.

Make a copy of the Paste Layer, and reorder it over the Black Layer.  With the Paste copy Layer selected click:

Layer > Merge Down.

Select > All.

Switch to your Channels tab.  Create a new Channel.  Name it Hair Clip.  Select > All, and Edit > Paste.  Edit > Image Adjust > Invert.

Switch back to your Layers Tab, and toggle the Visibility off, for any layer above the original texture.

Make a copy of the original texture.

Use the Clone tool to put skin where her pubic hair was.

FInd an nice image of blonde hair, and use th Eydropper tool to select that color.

Go back to the original file, nd add a new Layer of the Texture copy layer.  

Edit > FIll(With the Blonde Color)

Select > Load Selection > Hair Clip.

Edit > Clear.