Thanks for the response.
This is Poser 7 on XP Pro, with all the latest updates for XP and my graphics card.
The model I am trying to load is V4 plus clothes etc. The crash occurs when trying to load the model not Poser itself, the error message is "Poser executable file has encountered a problem and needs to close". I was going to reinstall poser, but thought I would check out the forum first.
As to IBL AO I do not know what this is so can't say.

Any help would be great.