@Glitterati3D - your method works best for me as I can visually see the content in the folders when I place them side by side. I had noticed the Content folder but didn't give it a lot of thought. Hopefully I can work this out.

@3dcheapskate - M4 does load okay, but originally I had a very hard time getting him installed. It took several attempts, and M4 still has problems with different textures which are darker on his thighs and lower legs. One thing I am seeing now which I did not see before. The ,png files are not showing in the library, and I am instead getting the broken image icon. Now poser is telling me that the morph ++ file is not a valid poser file. Just for a cheap thrill I copied/pasted a copy of the Inj Morph ++ All file in to the folder as a copy. It has the image of the shrugging man and I am told that this is also not a valid poser file. I am at a loss here. I am getting pretty frustrated with the whole mess, and wishing I still had my old Win XP machine and Poser 7! Ah, but we must move forward...