Thanks for the reply. 
Rem= Remove, oh... duh.
Ive been messing with Vic 4.2 and have got a pretty good handle on posing/rendering etc.  Now its time tio give her some personality, so I went out and downloaded a bunch of free characters, clothes etc.  I am thouroughly confused on why some work and some dont.  I want to start with a nude figure, with hair and nipples.  For instance, I got creeds Eliza.  When I select Victoria, and select the eliza mat, nothing happens.  If I change the diffuse color to refer to her file, she gets huge eyeballs across her torso!