Tcll 66 Posting Whiz in Training Featured Poster

ok so here's what I have...
due to the hardware interface, a model file contains a pre-transformed version of the actual model.
(verts are prepaired for animation transformations)

what I'm trying to get is the default T-Pose of the model.
but to get that, I have to transform it via the given bone info:
- Inverse matrix (4x3)
- loc,rot,sca coords

but what's the formula to apply these to the given verts??

thanx :)