Got it!  Thanks very much for all your help.  Yes, the dress was not a conformable item, and I was on the wrong layer. ~~knocks self on head~~

I'll get this yet. :)

Here are the screenshots of each step I did:

www.soniascreations.com/poser1.jpg  Judy nude HIRes

www.soniascreations.com/poser2.jpg hair - neftis long wavv F, parent to head

www.soniascreations.com/poser3.jpg added dress - p5womens beach dress.

Now yesterday, when I was playing with it, I was sure that when I added the dress another layer was added under the Figure 1?

I also tried to mimic what I had done yesterday,  using the steps in this tutorial: www.associatedcontent.com/article/100162/index.html

but was unable to conform the clothing again.

Here is what I did yesterday: www.soniascreations.com/graphics/poser/leopard_fairy.jpg