Cartoon Girl, modeled in 3dsmax 2012, rendered with V-Ray, ready for rigging.
Model is provided with very high quality V-Ray shaders, the pullover has two materials to choose so you can achieve more or less realistic look (it also depends on light setup). 3dsMax Hair & Fur was used on the pullover and boots but it also look good without it. Stacks on the model are not collapsed so it's easy to edit or skin.
Texture sizes: From 4k to 512
No displacement used to improve rendering speeds.
Hair & Fur settings used for cartoon pullover: Hair Count 100000 Scale 2
Hair & Fur settings used for realistic pullover: Hair Count 50000 Scale 1
Both: pullover and boots looks good without fur as well!