Thanks for the replies.  Ive been having a hell of (hard) time with Daz.  I think I may be expecting too much.  I keep dowloading content (much of it free), and about 1 out of 4 or 5 items seem to work.  When  I get a couple figures and  some clothes and tex mats, and some props, Daz seems to  lock up (or take an  unnacceptable time  to update and save the scenes).  According to the manual, My computer doubles or better all the hardware requirements.  I just went and doubled my ram to 1 gig, but it doesnt seem to help any.  I know I have a bunch of messy, seemingly un-usable content in my directories, would that cause problems?  Is there a way to paint your own mat.  I remember seeing a flattenned version of skin somewhere in a jpg file.  If I could find one of those, can I just alter the mat in Photoshop, or is it more complicated than that?
Thanks again