OK.  So here is the one from before that took 24+ hrs without the hair.

This one took 22min02s!!!!  HUGE improvement.  Thank you very much!!!

It does have a few artifacts etc but at least I am pretty sure now that my settings are semi correct. 

btw - If I add the hair it takes 31min29s but the hair doesn't look too great.  

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