Acadia has a great idea with the Hi resolution square and making it into a rectangle.  If you want to give it a try, have the figure horizontal facing up, place the cloth above her head with the head and neck checked.  Probably will need to play around with it so it doesn't look like the figure is facing a 200 mph wind storm.   Acadia or some of the other folks here may have a better way of doing it--and I would be interested in learn'ng that too.  Plutom