Messing with skinning a bit more finished applying copy of my skin texture ( no not the finger tip but the skin area between 1st and 2nd knuckle) to the model ( but no highlights/shadowing yet). also used a scanned image of dark leather for the top and skirt. ( havn't made an attempt on face or hair yet.)

as you can see in the mesh (2nd pic)i have all the main body joints jointed ( each arm and leg part is seperate) so when i later animate the arms and legs won't cause mesh deforming/stretching as the aprts are moves. as from first image the joints don't appear to show up in the engine at runtime.