[Capt.ArD]

I know I have used Avi before as well. I don't know why you couldn't.

for the bed cover, if you want to reactor it i can help, but i don't have a lot of time right now. basically, look at the left side of the screen on max ant there is a button called "create rigid body collection" click and drop the icon anywhere in the scene, doesn't matter where. do the same thing for the cloth body collection. select the rigid one again and look at the modify panel. there is a little box where you can add objects from the scene to the collection. add your matress-thing object to that list. click the "cloth" object and apply the "reactor cloth" modifier to it. then add that object to the cloth body collection. you'll want to make sure you cloth has plenty of faces, 20x20 is pretty good. there, now the sene is set up, get ready to reactor it.

select the utilities tab at the top right of the screen (looks like a hammer) and slick on the reactor button in the list that apperas. open the first and last rollouts (should be animaiton and properties) next, select the cloth object, and in the properties rollout set the mass to about 1 or 2. this makes gravity affect the cloth. DO NOT give the mattress any mass. if you do the mattress will just fall out of the scene whene it calculates the the movement. while you have the cloth selected, look for where you define the boundary of the object and click the "define as proxy mesh" or something button. then select the cloth as the corresponding mesh.
my instructions are not clear, but you should be able to muddle it out. i'll be on CD or Gaim tommorrow night if you need better help.

when that is all set up, you can click on the "preview animation" in the animation rollout that you opened earlier. when you do, it will disaplay a list telling you if there are any errors in the scene. hopefully you will only see one that says that the object density is low. ignore it. then you will see a window with an untextured version of your scene. press "p" to initiate the simulation. your cloth shuld fall straight onto the matress, then drape itself around it. if it looks unrealistic, you can raise the substeps by using the menu at the top of that window. substeps ar the number of physics calculations per second, the more, the better. when you are pleased with the arrangement of the cloth, you can click the "update max" button at the top, and it will change your scene to cloth in its draped form.

like i said, this is a very superficial tut., but i can help more later on. my AIM is captainard2000. ill be on tommorrow night.