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Ok, its all in the folder. Open your Jibberish folder, open "Character" and then open "Down Jacket" or whatever. See how itsa a JPEG? Now open it in paint. Notice the dimensions - these need to be kept the same or else bad shit happens. Past in your new texture and crop it down to the correct size. Now save it over the old file. It should now have the new texture when you play. You can do this for almost anything in the game as well.