Glitch needs some help with not sucking.

[Chris2Balls [:B]]

basically, folds are created for several reasons in clothing: either they're creases in the material, or they're material that is either stretched or overlapped from a point in the human frame (shoulder, neck, head, sides, elbows, etc). If you disregard what's underneath the clothing material, it won't look plausible. Remember that material is also a affected by gravity!