Problem : color underneath the texture of the shirt

I created texture for a shirt in photoshop .
After that , I uploaded the TGA file to SL .
I removed all the clothes from my avatar .
I went to my inventory and created new shirt .
Then , I clicked on my avatar and chossed appearance and started to edit the new shirt .
I added the texture (I made in photoshop) as a fabric .
So far so good .
The problem is , that the editor always put color underneath the fabric – between the dress and the skin .
I tried to change the color with the "Color/Tint" option , that beneath the "fabric" option , to the color of the skin , but he doesn't change it to that color – only others colors . I tried also with "pen" tool in the editor – didn't either .
* I attached picture to this message , so you'll understand better .
All I want is that the dress will be on the skin , that's all .
Thank you

the picture

Hi TalTul!
My initial thought is that there is no alpha channel to create the transparent areas where you want the skin to show.

~Ari

You have to create an alpha mask, go into channels tab, create a new channel, in layers tab, select all areas to be hidden and in the channels tab, paint black, invert the selection and paint visible areas white. Photoshop uses this mask to determine which areas are visible and which are not. What you're seeing is a generic "blank" new shirt. You need to "hide" the areas you dont want seen. Also, I generally make the sleeves full length, and collar full (100 percent). You're right where you need to be sans the alpha mask. Also, when saving out the targa file, be sure to select 32 bit. The transparency information in the alpha channel requires 8 bits, so 8 bits per color (R,G,B) + 8 alpha is 32.