Needing to convert a JPG to a BUM before loading is pretty common, - JPGs download so much faster & the file is much smaller, nearly everyone distributes BUM files as JPG. The readme file in each download usually explains what files to convert. (Just load a basic PoserProp like the square or cube, and apply the JPG to the bump channel, and Poser converts and saves it for you). If your download is asking for an OBJ that wasn't included, it usually means the download was an add-on for another item. For instance, if you download a free Character Pak for Victoria or Victoria 2, you'll get that error if you try to use it without owning Victoria already. A lot of the free downloads are add-ons to commercial products, and you have to buy the original products to make them work; A word of caution - It's 100% okay to ask where/how to buy a specific OBJ file or product here, but it's absolutely forbidden to ask anyone to send it to you, or offer to trade for it. That kind of request is usually considered an attempt to trade in "WAREZ", which is one of the primary bann-able offenses here (not suggesting you would do that - just make sure you phrase any requests clearly). If your unclear what product is required by a download even after reading the readme, you can post the name of the OBJ file from the error message here, and someone here can usually tell you what product it needs and where to buy. There are often exceptions, but if you post specifics here, you can usually pick up enough tips to figure it out...