erm...actually the folks in the UVMapping forum could explain it better, but think of it as masking tape; you put down where you want to set the  border of a texture to be (think of textures as spray paint...;).
Then, you select a texture to fill that area.
You select a texture (jpg file, whatever works), and apply it to that area.
Then it's textured.

You can pull it into Poser (it will probably honk at not finding the textures), and if you go into the Material room, you'll get a list of separate texture areas (I use imaginative terms like , top hat, brim, rim, etc...;) and you can use the materials you have loaded in Poser for retexturing, if you like.

Let me know by IM if you're still interested...or if anyone else wants it, lemme know...

I wish I'd said that.. The Staircase Wit

anahl nathrak uth vas betude doth yel dyenvey..;)