Phil's approach is fine, a good (first) step in the right direction.

And there is a but...

cloth behavior not only depends on the parameter settings but on the mesh structure as well. Tri's behave more like woven cloth (linen), quads behave like non-woven cloth (leather, fleeze, rubber). Large polys behave like thick cloth, small polys behave like thin, far more flexible cloth.

So from a "leather" setiing, you have to start tweaking to get the right one. But Phil gives  a decent start.

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Usually I'm wrong. But to be effective and efficient, I don't need to be correct or accurate.

visit www.aRtBeeWeb.nl (works) or Missing Manuals (tutorials & reviews) - both need an update though