This was made entirely in Adobe Photoshop 7. My additions were drawn in with the Pencil tool. The images were saved as PNG.
I started with this base from Marushi's site.
Then I drew the Hair, front and back. Burn and Doge as nessecary.
Next came her shoes, also done using dodge.
Then I drew on the shorts.
The skirt part came after. Front and back.
I decided to give her a tank-top
Then came the belt.
I decided that she needed to hold something, so she got a gem/sphere
Added Effects as needed... Then I sent the final three images (seen right above) to JASC Animation Shop 3 to animate it.
And this is what I got...