When shrinking the problem of the clothing is always between the legs.

Here the mesh and the uv's get deformed badly.

This is the solution I came up with.

Step 1 : Here I compare some Poser figures.
See how they are all the "same" when scaled to the same shoulder height :

The shrink problem is allways between the legs.

Poser 1, 2, 3, 4, 5, 7, P8 and PPro2010, P9 and PP2012, P10 and PP2014 Game Dev
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