So now we move on to the lower torso. Jonathan Williamson at Montage Studio explains it quite well. Basically extrude the vertices (or edges) shown in the first figure 3x in red and scale as you go (remember the mirror will create the right side). Then follow Jonathan's methods to enlarge out to the hips and delete the faces that are the tops of the legs(in red).

Hips part 2

More to come,

griff :)

PS: I think Rock Kimball might be proud of me ;-) Also trying to think of a name for the lady.