Well I know what bump maps and textures are but I don't know how to create a bump map, textures I know a little bit.
Bumpmap – Bumpmap is basically what adds "depth" to a texture. Let's say you create a ramp which is going to later be a flight of stairs. You don't want to go through the trouble of modelling each individual stair step and therefore instead make a solid ramp. With bump mapped textures, you can put the texture of stairs and make it look like you are walking up individual steps, even though it is a solid ramp. Basically it will look like you are climbing stairs due to the bump mapping adding depth, but if you look at the stairs from the side you will see that it is just a simple flat ramp.
Textures – Textures are a huge part in making a model realistic. An object with out a texture is simply plain, image say a simple sphere with a flat color of blue. Now let's say you want that sphere to be an object like a basketball, you create the basketball skin which wraps around the sphere. Now you have a texture!
With some models you definitey need Photoshop in order to create the skins for posers, some models come with the skin already while others only have the basics. I don't know anything about creating bump maps or textures in poser, for other games I do however.
Hope that helps you out!
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