Quote - > Quote -         material your_material

                 {

                  tMin 0
                  tMax 1
                  tExpo 0
                  transparencyMap "your_TransMap.jpg"

                                     0 0
                  }

This format seems to have worked to replace the transparency.  Now I need to make a mat pose that will turn off the sleeves of the clothes.  each sleeve is a surface.

 

Now I should modify the partial mat files so they include the specular value too, but how would I do that??!!