Quote - Thank you guys so much. I just moved her arm out a little more (through each frame) and it fixed the simulation.  For some reason it didn't work when I unchecked the forarms and hands.

I was going to suggest that, but for some reason I left it out of my post. I have to do that a lot when I am using someone else's poses. Everyone seems to make poses for the character when they are nude and don't take into account the offset of the cloth mesh that will eventually cover the model...

If I had a nickle for ever time a woman told me to get lost, I could buy Manhattan.