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I'm with Rich. I like a nice, thick lather for all passes. My final "touch-up" pass is water only, but I'm just picking off the odd straggler.

You can also stretch the skin in front of the cutting edge, instead of from behind it. I have found this helps pull the hairs up and makes cutting them a little easier. HOWEVER, stretching in front...

Going against the grain is tough, but rewarding. Prep and a sharp (and I do mean SHARP) razor are keys. Always save against the grain for last. You might try stropping before the against the grain...