Topless Male & Bottomless Female Bug 0.86

This bug was supposed to have been fixed for Beta 0.86, but still exists for custom sovereigns.  To see an example, go past the "Create Sovereign" pop-up; click the cancel button; back out to the "Who are you" pop-up; re-enter the "Create Character" facility; select female and create a sovereign, but do not select any clothes.  The sovereign will appear fully clothed at this point.  Play the game and obtain a helm.  Remove any body armor and equip the helm.  If you selected a male sovereign, the result is a topless male.  If you selected a female sovereign, the result is woman in only a corset with cameltoe showing.