Attached Link: http://www.sharecg.com/v/34236/Poser/EstherScarf

Folks- The model is uploaded.

Thank you for your interest.
Comments are welcome.
i would like to see how you use the model in your renders.

i'll try to get the other models you like uploaded soon.

enjoy! i have!

Logic23, Bnetta and Sivanna- Thank you for your interest. i will have a go at a posting to a share site in the next day or so. Here is a render of the work so far on a new character model for V4. The boning and textures need fine-tuning. The hair is included. i would be interested in any comments, since this is an attempt to answer your request.

Logic23,
If you can wait, i would like to model something new for V4,
i find modeling very enjoyable.
Payment? i'm shocked!
Please let me keep Poser fun, not work.
You may look forward to something here this Saturday or Sunday.
Okay?

Peace, Logic23

Here are thumbnails for 3 character models similar to your needs.
These are fitted to Victoria 3.
If you need something for V4,
or a model that is more exactly as you wish
i would be happy to make something over the weekend.