Ok, here we go, just download this zip file (and unzip it using winzip or similar)
You get two files:
(which goes in your MyDocuments/Kudos/mods/avatars directory)
(which goes in your MyDocuments/Kudos/mods directory)
then just fire up the game, voila, theres another female avatar. heres a preview:
Doesn't matter what copy of the game you have, or where you bought it, this should work fine. Enjoy.