callad.. thanks for the gallery comment.. i'd put about 60% of the quality of that shot completely depending on the quality of Rhiannon's work.  Hell.. even the lighting was simple.. daz's enviroment sphere turned into a light and a spherical hdri image attached.  The swimsuit is my own texture created for 3d-age's Peek.  With that and some tweaking from 2 or 3 of my go-to photoshop filters and voila.