Thank you for your help.  

I have another question if you don't mind that somewhat pertains to the backgrounds as well. How does one create text and import it into poser to be able to pose the character behind the text?   One example I would like to do with that is the character posed behind the text with the character's hands coming over the top of the text and leaning forward a bit as looking down to the front lower area.   Would the text have to be first created in a modeling program as lesbentley mentioned above or is there a way that the text can be created in photoshop and imported into poser to be able to do that?