Subdvision Body Model by Wiro

23) Create one new poly from the front of the crotch to the butt (1) then subdivide it into 4 and shape it (2). Use the existing verts to shape the butt as well (3)

24) We'll need to add some edges (2) to accommodate for the leg we'll attach (3)
Check out the leg modelling tutorial to see how it's built. The amount of verts to weld should match up on both torso and leg

The next steps are again mostly specific to this model

25) Now that the leg is attached some edges aren't needed any more. I also want to adjust the leg muscle a bit so that edge goes too.

Add some edges to close the loop. The edge goes around the butt and will define the lower edge of it as seen in step 25b

25b) step 25 continued

26) A few more edges added to close some loops and add some shape to the ribcage, pelvis and butt. Got rid of one of the open edges in the armpit this way, good stuff!

27) I removed part of a loop from the side of the breast to the back. I added another edge at the bottom of the breast to create a sharper crease there. More edges are added to define shape. The vertical loop goes all the way around and up the back to the neck to define the spine as well. Space for the navel is added too.