Thanks Laurie, I was leaving the VSS for last because I've got a plate full of work to do and I figured that learning how to use VSS would take me a bit of time.  I'm not great with this texture and render stuff. :-)  I will get to it soon though, it's looking like a good option and may well be my only option at this point.  Good to know it's not too difficult.

I'm getting ready to start a new thread soon because the jpeg textures I made for the Tshirts aren't working well. A black Tshirt I made with a Star Wars logo when rendered shows the kid's arm through it, and looks more like dark gray than black, lol.  So, must be something to do with the layers, or way I'm saving the texture jpeg file, or the way I'm setting up and pluggin in the image node in the materials room. Like I said, that's a different thread for a different day, I'm sure you'll see it get posted! :-)