Transparent textures are applied using the Materials Lab. Cntrl-Left click to pull up a selection list and select the part of the poser body that you want to have transparent. Click on the M to pull up the Materials Lab. The texture ought to be a photo texture already, Click on the P in the texture window. This will pull up a photo list editor. Click on any box will allow one to then select the transparency file from Poser. The texture may already be applied, but the last trick one needs to do is to click on the little triangle in the upper right corner of the texture editor and select "Blend Transparency". Oh yeah, I forgot that one needs to apply the texture by clicking on the following lines in the materials lab. For applying the transparency map, only the circle on the transparency line needs to be clicked. I hope this helps a little.