ok I tried this 3 times last night and today but I created a new character first that was identical to my screenshot of above.  The first time it calculated in about 30. minutes and while the skirt draped nicely it went straight down as if she were standing.  The second time it was taking forever to calculate so I went to bed and let the computer do its thing.  When I got up this morning it was froze so I had to reboot.  The first time I created a new character, put her in the same pose with the same hair and clothes but I used a different texture set.  The second time I used my original character from the screenshot above.  So I'm wondering if there's something wonky about the texture set that I just don't know how to deal with.  After I rebooted I loaded up my file again (the one from above) and started a new simulation like Arcadia said, but I used your shortened method Drew.  It took 10 hours to calculate.  It just finished.   I haven't rendered it yet, but here's what happened.   I"m going to render it now.  Hopefully it will be right in the render.   What did I do wrong?