This is my creation, any similarity to other tutorials on the Internet is unintentional.
Please do not copy or place this tutorial or any graphics to any other place without written permission directly from me. Thank you

Add new layer - name it body
 Choose Selections/add from disk/ body.sel

Set foreground color to #E9CF97, fill with paintbrush.
Then choose Selections/float -
Selections/invert -
Effects/3d/drop shadow

Add a new layer - name it bra
Choose selections/load from disk/bra.sel

Open styles to patterns and click to choose small3.bmp
(or any other pattern you choose for the bra)

Fill with paintbrush

Use effects/noise/add 46 uniform

Use effects/3d/drop shadow: these settings..

deselect

Add new layer - name it head
Choose selections/load from disk/head.sel

Change styles back to solid colors
Set foreground color to #E9CF97, fill with paintbrush.

Add Selections/float - effects/3d/cutout: these settings

deselect