Please, I am grateful for the Tutorial from MisterS but maybe a more defined tutorial would be much better. However, I do have problems as there is a displacement texture join on CAS pants (trousers) between the knee and ankle and cant find a way to rectify this? Also to say, I have tried the 'Normal Map Online' and in my view is not very good, I get much better clearer results with Nvidia NormalMapFilter. I use Corel PSPx8 using the Nvidia DDS plugin and NormalMapFilter, and then the adjustment in Channel Mixer set to Mono and adjust the Red Green & Blue to get the right elevations and lightness for the bumps to look OK. I'm afraid these tutorials are only appropriate for Photoshop, so this is only a rough guide, helps a little.