If you wanted to put a zebra skin on a car or a stone surface on a face, how do you clone it so that it retains the contours etc and looks clean?

CS2 Photoshop:

Here is a great and simple tutorial regarding the use of displacement maps.

PSP:

Displacement maps in PSP

'Bout a quarter of the way down, look for "Paint Shop Pro 9 Tutorials". Under "Add Ripples to a Flag".

thank you very much. I can see the theme on my next 10 pieces!