Tried it again, and was **foolish** enough to up the mesh to 50K plus polys, adust to v4 in P7, export to .obj, used AutoGroup Editor - and used the PTC Conform Clothing program, and went back to check it out, still the same tear issue, as attached.

To sanbie, it's some Joint Editor, is that a program?   I take it that's Poser Tool Box is it not? 

JB

P.S.: to markschum, I used the Group Editor, and everything seemed fine as far as polygons were concerned.  I adjusted the shoulder part of my mesh and still I can't seem to get that tear out. 

Thanks to all who have helped me, I'm still greatful of any tips I can get.  Just a bit frustrated, but still trying.

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Asus N50-600 - Intel Core i5-8400 CPU @ 2.80GHz · Windows 10 Home/11 upgrade 64-bit · 16GB DDR4 RAM · 1TB SSD and 1TB HDD; Graphics: NVIDIA Geforce GTX 1060 - 6GB GDDR5 VRAM; Software: Poser Pro 11x