I'm a begginer photographer, but I understand most of the theory of taking photos (shutter speed, exposure, etc). I currently own a Concord Q-eye 4060 AF. It has 4 MP, 6x Digital Zoom (Yuck!), and it looks like it destabilizes the image in purpose. So I'm looking for a POINT-AND-SHOOT!! camera. I just can't carry a dslr, and they're too expensive for me (13 years old). Here are my choices: -Nikon L1 -Panasonic Lumix DMC-TZ3 MAYBE: -Nikon L10 I'm not too sure. I tried the L10, and the photos look awesome in the camera. I like the Lumix because the nice zoom, and in this site: http://www.letsgodigital.org/html/review/panasonic/lumix_dmctz3/lumixtz3_EN1.html Looks like you can change the ISO and the shutter speed. I'm not too sure, can anybody help me?