@PhilC: true, but be aware that a fine-mesh cloth has a different dynamic behavior from a more coarse-mesh cloth: the fine one behaves as thinner material. So a T-shirt with thick edges should have the fine mesh inside and the coarse mesh at the edges (people tend to make their meshes just the other way around, as more verts suggests more material. That's not how cloth sims work).

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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