I found this link on flay.com (Steve Warner) and it is the best tutorial that I have found that explains each step in creating all the required techniques with screen shots and written explanation. Hope he doesn’t mind that I posted here, but it just excellent and answers all the questions I have been struggling with. Thank you Steve.
http://www.stevewarner.com/Tutorials/zBrush/zBrushTut.html
The flay site links you to a suggested/required 16 tiff loader and plug-in made by Mathias Wein (Lynx3d) that is also an outstanding addition to LW. My thanks to Mathias in improving LW.