create or make a hyper-realistic full-body female skin texture based on the reference: warm tan skin, natural pores, subtle sheen, smooth gradients, realistic muscle tone, micro-bump detail, soft specular highlights on shoulders, abdomen, and legs. Add a tiny stylized micro-bikini: ultra-thin straps, minimal triangular top, and a narrow V-shaped bottom that reveals most surrounding skin while staying covered. Clean albedo texture, neutral white lighting, no shadows, seamless layout for UV projection on a 3D mesh.

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