wow jay, the two pictures are a great amount of help already especially the muscles to edgeloops..

heres another question from me which i have always wondered, when your model is in subdiv and then you check out the wireframe and it shows them extra lines.. what are they for? is there a way to get rid of them without spit poly tool? this has also resulted me into split poly tool to get rid of them but then ending up having a heavy mesh... thanks, marlon

heres a picture: