Many questions have been asked about how to avoid ZBrush crashing when trying to use the masking tool on a Poser .obj file. I don’t know what I was thinking when I came across this but it works for me.
Go to tools;
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Select the ‘star’ poly mesh (#42)
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Next, select ‘Import’ (not the gray button Import at top, the other one) then open it.
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In the Import options, select Mrg then press import.
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A search window opens, locate your Poser .obj file and open it.
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A merge message dialog will open. Select OK.
The star is replaced with your poser figure and ready for masking.