Questions about Cloth Modifier

I am using Blender 2.5 Beta and attempting to animate clothing on a human model. I’ve applied a cloth modifier but I am having trouble finding the “deflection” modifier for the body mesh. I’m not sure the order of applying these or what exactly to do in the first place :o
Is the modifier visible in the 3D work window?
Any help is greatly appreciated!

If you mean setting the body to be a collision object, select the Collision modifier from the modifier list. The collision settings will be in the physics panel (the right most button in the properties window)