Ok, I seem to be doing something wrong this time around.  I know this works because I did it before for V4.1 for this image:

http://www.renderosity.com/mod/gallery/index.php?image_id=1559804

However I need to do this again using V4.2 because I have some morphs  for V4.2 that won't work with V4.1 even with the morphs applied.

I set up the material zones in the exact same fashion this time around as I did previously, but for some reason I can't get the skin texture to apply properly to the upper thigh (hip) area.

I'll post screen captures of what I'm doing and what ends up ultimately wrong.

Images to follow

"It is good to see ourselves as others see us. Try as we may, we are never
able to know ourselves fully as we are, especially the evil side of us.
This we can do only if we are not angry with our critics but will take in good
heart whatever they might have to say." - Ghandi