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Using second life templates it is an easy way to apply your own clothing. They have templates for legs, skirt, jacket, arms and t-shirt, so you can paint or apply your own textures to make your own clothes. One thing I noticed, when I tried out the template on my avatar, was the lines don’t always line up and you get seems where you can see the skin or the avatar from underneath. so when I am painting the templates a just need to slip over the edges slightly to cover the gap.