Ack! Sorry about the broken link..put .jpg in the html instead of .JPG..so picky, that html is O__o..anyway..
I appreciate your help, but I understand what the split polygon tool does. Now that you all can see the image of what I need to do, maybe you could help some more ^__^''
Well, I basically need to attach the leg to the torso, while minimizing the overlapping, except on the joint area. I'd like to know how I would create vertices and delete some faces to make it flow like an actual leg to torso. You see how the torse overlaps the leg and forms a 90 degree angle? Well, to get this to be flowing, which faces/edges do you think I should slice or get rid of. I was looking at it a bit more, and thought maybe moving some vertices might work, but I think that would maybe mess up the form. I'm a complete n00b...this is my first model.