If you have a look at my teddy some posts below, you'll see that I have tried to make him furry. What I did... I simply painted the UV map with the desired color In Photoshop. Masked it, and applied Eyecandy Fur. Play with the light and curlyness till you get the desired effect. Save it as a texture. Then convert your texture to a grayscale image. Invert it, so that the background will be black. Add more contrast to it, - and save your bump-map. You can save it as a .jpg - as Poser will convert it to a bum file when you apply it to your figure. Then there is the material settings in Poser. lol I'm still fighting that, to achieve the nice fluffy look.