In an interview at Newsarama, cover artist Greg Horn reveals one of the secrets of his success:
There is no set model for Ms. Marvel, but for other characters like Emma Frost, I had a model pose for me in a string bikini.
Mind you, Horn is actually a pretty decent artist when he stays away from the gratuitous cheesecake: Some of his Emma Frost covers were nice once he stopped drawing porn stars, and his Elektra work was nice when Elektra wasn’t threatening to kill the reader by smothering them in her breasts, ass, or crotch.
There’s little question about what pays the rent, though.