Who has muscle and skeleton, can I have one？
There are some free skeletons out there,
For example this one:
But it's harder to find muscles, If you have a copy of zBrush there is a full skeleton and muscle in the projects folder I think. But to be honest sketching out the muscle shapes is a good way to get to know what they are doing.
If you have the money Ziva also have a human skeleton with muscles for $110.
Pearse You're absolutely right. I should learn to do it. Anyway, I have to practice it myself in order to master it fundamentally.
U can also download Zeke, Lila and Mr.Ink from store great assets to learn ZivaVfx.