Okay, I've made some progress.  I did improve the polygons in the mesh around the eye and it helped with the bald patches.  This is an animation of the beaver swimming.  I'm not happy with the rigging - did it a wile back.  I had to use morph targets to move the head as I rigged it poorly and the  head/neck controls the body.  Anyway - this works for now.  The hair on the face is not moving like I want... Any suggestions appreciated. R

Never Give Up!