I had the same problem (invisible character and npc models).

Check this thread - in the buttom - helped me :-) http://ffxi.allakhazam.com/forum.htm...057724623&h=50

"Awesome, thank you very much. This was a very quick solution for those suffering the problem that have an NVidia card and the Intel HD 4000 card. I went to the NVidia graphics settings menu, selected the 3D Manager and found the FFXI (POL) program and set it to use NVidia card instead of the automatically selected Intel HD 4000 card. This leads me to believe that whether due to a driver error or not, the Intel HD 4000 card was the problem. Since my fix was simple, I did not have to roll back any drivers. Thanks again!"