And this is the Material room settings.  All the expanded nodes towards the bottom are the ones that I put in.  It is also using one of My Expandeable 2 Color Ramp compound nodes.  Look in the Freebies section under my user name and you can find the download to make use for yourself.  You are allowed to used them any way you need to in both Freebies and paid products.  By changing the value of Pos 2 that changes how far up the material swap is made.

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Poser 5, 6, 7, 8, Poser Pro 9 (2012), 10 (2014), 11, 12, 13