Now that all of your layers are still in a layer set, this step will make the rest of the image work a lot easier.Duplicate the layer set, this will save a version of your work if you notice mistakes here in a moment.Hide the original layer set, and rename the new layer set to 'Layer Set 2'.Now, in the layers pallette, view the layer with the head and the layer with the body.Control+click on the head layer's mask, now with that still selected; Control+Shift+Click on the body layer's mask.you should now have a selection that encompasses both of their masks.Now that you have that area selected, select the new layer set. Now, click on the mask icon at the bottom of the layers pallette. Viola - instant mask for all layers in the set!Now, you will "apply the layer masks" that are on the individual layers. Do this by selecting the layer mask and right-click and the option "Apply the layer mask" will appear.