Make human started out as a lonely blender python script.
Now after a couple of years of research and development they have released a stand alone version for us to use!
Works in Windows, Mac OSX, and X11 (linux,unix,bsd,etc…)
Now they have even added a Pose system!
anyways, you can realistically make a new human mesh in under about 10 minutes.
No modeling involved… you are just adding and removing morph targets…
YOu have the choice of everything from Male ,Female, infants /children, and even some Monster stuff.
If you know how to use blender 3d you can even make your own custom morph targets and starter mesh.
Have fun!
here is the main site too. (Ignore the SSS stuff, blender now has a buildt in SSS shader, as of version 2.44)