Since you've been concerned, and kind enough to respond, I'll risk boring you with a detailed account of what I did. By the time I could do any cleaning, the mud had dried... a combination of sand, and clay. The camera wasn't totally covered, but there were splotches on nearly every part of the body, and the lens. First, I used a compressed air can to blow off what I could, which wasn't much. Then, I took a dry paper towel and carefully brushed more off of the body. Next, I went over the body with an old toothbrush (no paste). After that, I took a dental pic (just happened to have one), and carefully cleaned the crevices. Throughout the process I would periodically hit it with more compressed air. Eventually, I dampened paper towel and cleaned the body, drying as I went. I completely wet cotton swabs and carefully daubed the lens just to re-wet the mud and loosen it up, without any wiping. I blasted the wet mud away with compressed air, and repeated this process several times. After I got all visible traces of mud blown off, I used wet swabs to gently wipe the lens, again blowing off all traces of water. Finally, I cleaned the lens normally (breath + lens cloth). After the camera was cleaned, to the best of my ability, I noticed that the LCD display was energized, even though the power switch was "off"! Uh, oh... must have blown water into the circuitry with compressed air. I also noticed fog on the inside of the lens. :-( At this point, things took a turn for the worse. I set the microwave to 50% power for 5 minutes, and... (just kidding ;-) Since it was a sunny, warm, day here in North-central Illinois, I removed the battery, and set the camera in the sun to dry. After about an hour, the lens fog had disappeared and the camera worked normally. I used it to take pics of my grandson at football camp yesterday afternoon. I haven't noticed any problems, so far. Nor, can I see any scratches on the lens. The photos seem normal, and my camera is cleaner than it's been in ages. It was a painful, but valuable experience. Thanks so much for the advice, and for giving me courage to proceed!