Let's fine tune the shape of the female model's / character's body in 3D Studio MAX ( 3ds max ). First of all, lets trim her waist a little. Select the vertices near the waist line and pull it out so as to give it a curved feel. Also adjust the distance between those vertices to make the region look thin. Now select the vertices near the hip of the model / character and pull it out. Also make the shape from the hip to the groin slanting, so that we can attach legs later here.

Let's now concentrate on the shoulders of the model / character , Pull it out and make it look thinner. During the whole process of modeling, you should have an idea of how a human body would look. Compare it with the results.