Sounds like we are in the same boat. I, too, can strum, however, fingerpicking is very different. There are threads posted regarding fingerpicking, however, reading about it and being shown are two different things. In my last lesson, we started working on fingerpicking. I've been practicing all week. For what it's worth, my instructor told me to extend the right thrumb out, and keep the other fingers tucked under the palm of your hand. Also, when picking, think about pulling your fingers back from the knuckles rather than the tips of the fingers, and pull the fingers toward the palm of your hand. Do I make any sense? Good luck.