Cobaltdreams:  If it was just this image that I was having the long render times with I would understand that but I've had just the figure sitting on the floor with hair - no clothes - and it was also a 24hr + render.  I am pretty sure that there is something seriously off with my settings but I am going to try to go through them and see what I can figure out. 

If only I could get my mind to grab hold of all this information and process it while I sleep. 
I am doing a few render "tests" on something different to see if I can pick up anything.  I might post them too.

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