Annie, this is part of a post from Tom. You can use the files you download, which most of the designers do. You also can download the original files and try them.
To help texture editing here you can find UVW maps for the textures:
cloth_UVW.zip
shoes_UVW.zip
Short explanation about height maps:
Height maps are grayscale textures, where the different grays between black and white mean different 'heights' on the surface, giving the possibility to add the illusion of fine geometry structure (-> bumpy surface). Please save the following height maps and try to load them to the cloth textures, you will see how they create the described effect.
height_map_1.png
height_map_2.png
or zipped both together:
height_maps.zip
After loading the height maps they should appear on the cloth as follows:
working_height_map.jpg
If you cannot see this effect that means your video card lacks of required shader functions!
In this case we recommend to get a video card which supports shader model 3.