Ok coming from poser forum directed here.
I followed this tutorial to the T yesterday.
http://www.michaeldashow.com/tips_bumpmaps.html

Now something has changed in my photoshop settings that's really messing me up.  
1 when I get the part for copy channel and create a "bump" channel.  I get an overlay color of whatever channel I copied rather than the no change I got originally following the tut.
2.  When I go to lighting effects for the bump channel I have an option of applying the effects to layer two transparency layer.  

When I originally followed the tut - that was not there - there was only red blue green or bump.

Did I give enough information?
Does anyone know what settings I have wrong?

Paint your white and black lines on new Layers in your Layers Palette and you are then applying the lighting effects/Filter to those Layers - which will then be put in Overlay Mode to create the shadow/highlight effects of a bump map on the colors of the image below (shoes, old man's face - whatever).

Hope that helps - lemme know if you hit another roadblock-
-Lew ;-)

THanks = )