Hi for what its worth I would definately recommend the TZ3, I spent many hours on the Camera Labs TZ3 test page and takeing Gordon's advice went for the Panasonic. Having upgraded from a Finepix F401 I found the TZ3 so much more fun to work with, and although it has virtually no manual controls you can, by switching around and using the camera's presets, take some great pictures. I am using JASC Paint Shop Pro 9 as well and between the two am getting some excellent results. For the beginner the TZ3 is simple enough to point and shoot, yet has sufficient additions to enable you to go that little bit further when you are more confident. OK it is not as good as a full blown manually controlled DSLR but for a couple of hundred quid its certainly a good way there. Considering I paid over £300 for the Finepix 3 or more years ago, its amazing what improvements have been made for less money!
If you want my advice dont delay go for the Panasonic TZ3...BTW the black finish also looks cool....
