Firstly, we found she was getting irritated, smelly etc. so I started adding tea tree to her baths - every night, 6-10 drops in the bath. This has solved that problem.
I also found this has helped with the odour problem on her hands too.

Secondly, I try and make sure she has knickers and pants on as much as possible, she isn't much of a stick her hands down her pants, but will go for the fanny when it is exposed (Opportunist? lol)

HTH
good tip hun thanks will save that for future ...and might i just say your a funny lady ,you always have such a funny way with words..thats all

and i have no advice hun i have 5 girls they have all had the odd play but nothing to bad..might just be a stage shes going through but good luck.