New Solution. In the layer titled "Mask", I have a square roughly in front of the character. By changing that square, I can "cut up" the table on the fly. I can also reorder the group layer "TableMask" in front of or behind whatever layers I need as someone drops his hand below the table etc.
Character 1
>Layers in front of the table
>Group Layer TableMask (Hide All / Mask this layer)
>> Copy of the Table (Mask this layer)
>> Mask (+Add to mask, but keep invisible)
>Layers behind the table.
Character 2
etc.
Table
How to become the arm in front of a table ??
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