Reduce "plow in" compared to a racing finger skirt  provided by the upper bag section of this skirt. The bag section is not only a flexible  attachment for the finger but as well a pressurized flexible cushion to the craft. The bag section provides higher stability to the craft while absorbing great forces to the bow and side section just before "plow in" would occur. In the integrated bag and finger skirt ( short B/F-skirt ) the bag section can be easily drained once water found its way in. Several small drain holes in the bags aft section will allow the water to drain out of your skirt and hold craft weight low.

Where there is a lot of sunshine is always some shadow - the biggest disadvantages of the B/F-skirt are the high weight, big amounts of material and much labor to build. Because of these downsides this skirt design is not at all useful for a racing craft. A craft mostly used over ice or smooth water would as well not benefit from the B/F-skirt. For all cruising craft with a mixed use of land, water, ice and uneven terrain the skirt would provide the biggest benefit. If you use your craft over not totally frozen bodies of water you could reduce damage from floating ice. 
If you take a closer look at the following clip from "Rumble in the Bronx" you will see how the bag and finger skirt easily adjust to changing surface conditions:

You can break down the building sequence into five  major steps :
1.)  Dimension of bag section and finger.
2.)  Cut and mark the fabric for final glue joints
3.)  Glue the finger to the bag sections and bag sections to each other
4.)  Apply to craft and adjust bounce web.
5.)  Set your craft on temporary feet, start lift and mark ground contact line on finger, cut  in shape and enjoy flying.
 
 

 Sequence 1.)

Before you can get your bag and finger cross section you have to determine your actual hover height which should be about 10% of your craft width. 
Once you know your hover height the bag section should provide 10 - 20 % and the finger section the remaining 80 - 90% of your final hover height. 
Hold in mind that your bag section has to provide a section which is  parallel to the surface  to attach your finger. 
Once you have the shape you can either make a temporary  mock up to get the dimensions or follow bag skirt and finger skirt pages for the dimensions.

Take the dimension (length ) from the  lower skirt attachment line and top skirt attachment line  of your craft.
Mark and cut the fabric as well as mark the final glue joints. Start with the side sections of the craft , and mark the bag skirt section first, remaining fabric can be used for finger. On the outer surface of the bag skirt panel mark the location of your finger - it is useful to start from the CL of the bag and work yourself to the aft and front corner. Leave the last 1 ? ? ( or 50 cm ) open for the final corner finger  - which can be easiest done if your bag skirt panels ( side and front / aft ) are temporary glued together. Mark the corner glue joints and don't forget to allow at least ??  ( or 1.2 cm ) for overlap and glue joint.
Turn the bag skirt fabric around and mark location of the bounce web. 
Once you have all lines on the fabric, make a template of a single finger and mark to the left over material. Satisfied with the layout start cutting all the finger and bag skirt sections.

Sequence 3.) 

Lay the bag skirt sections (sides of craft) on a flat surface and make sure that there are no wrinkles in the fabric. Glue every second finger ( reference point A ) to your bag skirt section. Allow enough time for the glue to set before bending them over and glue one side section ( reference point B ) to the bag section. Do not attempt to glue both at the same time since this would loosen the wet glue joint. After the glue has adequate set apply the last finger section ( reference C) to your bag section. 

Sequence 4.)

Once your skirt is all glued and well dried - you can start to attach it to your craft - start with the aft lower craft attachment line and work yourself forward. Once the skirt is attached to the lower hull set your craft on a leveled surface.
Now the bag and finger skirt should lay quite flat to the  floor and it is the best possibility to attach the bounce web ( temporary with SS staples ) before you fold the bag section over and attach to the top hull attachment line. When the skirt is all sealed it's time to start your lift unit and apply pressure to the skirt - the bag section should inflate while the finger should slowly expand and hold the air under your craft. Most of them will be tucked under the craft and show wrinkles in the ground contact line. If you have no major wrinkles in the bag section and the appearance is more or less smooth it's time to get to the final adjustment of the finger.
 
 

Sequence 5.)
 

Final adjustment. Try to support your craft  on a leveled surface to actual hover height. The easiest way is to let the lift unit lift your craft and slide precut temporary feet under the craft. Once you have supported your craft even - reduce lift pressure to just over idle. This should provide enough pressure to hold the bag section inflated and apply a small amount of pressure to the finger.  Mark all finger along the ground contact line and shut lift unit down. Once the pressure escaped from your skirt it is relatively easy to cut your finger in shape. Just for safety reasons leave at least ?? (1.2 cm ) from your marked  ground contact line to the actual cut.