I am one of those guys that makes money there ...lol and im not a guy:P

As for How to get finished looks and templates.... try one of the resellers ingame there are a couple people that sell full perm items that are not the everyday business in a box but unique and limited to group acess only. Quality items that you can sell or use the tga files to work from in photoshop if you wish. This is a new form of resell, Contact me for more info I wont release the list here publicly because it is an invite only group and a singned legal contract is required to gain acess to the files.