Hi MarilynB my name is Rose & I'll try ta help ya. Please let me know if I get confusing as I'm using ta helping 1 on 1 thru chat or such. I used V4 as she loads with bikini & I had kids present. So I'm hoping the figure difference is ok. Some hairs follow these steps but as Jamie said if yours are .psd files you need a 2D program to use those. Step 1-With the clothing the easiest way is load the figure (looks like you're using K4). Will be posting more steps-I figured images might help.

Guardian_Angel_671
Daz Studio Coordinator
May the hands of fate be kind to you and yours. :)
guardian_angel_671@renderosity.com