I found this months ago, but I have to mention it. It's an essential file for any modeller using 3d studio Max and Character Studio 3. Madcap Studios (from Sydney) have an awesome free download from their site - it's a motion capture file called skinning test.. what the model in that file does is a set of limb and body stretches so you can spot any edges that need turning, or any joints that need fixing / extra polygons to be added. As I said, it's an essential file, so go get it here :)