cspear:  Thank you!!

I changed the settings as you suggested and the precalculating took 32min50s and the render is now at 1hr18min and about 85% done.  That is a huge improvement.  The only problem so far that I can tell is that the "cloth" is not as transparent as it is in the "normal" render.  Is that because of raytrace?  I will post results as soon as it is done rendering.

carodan:  I did find the other render interface of Dimension3d but to be honest I still don't know the effects that half of those settings will have.  :(  I have read the entire thread though and will go back from the beginning once I can figure out why it is taking over 14 hrs.  It is a bit hard for me to do comparisons if I have to wait that long.  :)

vilters:  :blushing:  Yes it is "in" the floor.  Once I get the render settings/time under control I will do alot of fine tuning.  Also in the image that is rendering now the hair does not work in the scene but right now that is the least of my concern. ;)
As soon as this one is done rendering I am going to try your settings.

Thank you so much everyone.  I will post results.

HoNeY
http://www.HoneyB.co.za