Hi April, welcome on-board! Yep, this is the right place for Panasonic questions...
Yep, bikerag's correct. If you're shooting movies in the Motion JPEG mode, then the MOV files will be stored in the same folder as your photos on the card.
If you choose the AVCHD Lite mode for movies, then the files are stored in a completely different location! Have a look in the folder called PRIVATE on the card - in there you'll eventually find one called Stream, and the video files are in there - they're called MTS files.
The reason they do this is so it's easier for TVs and software to convert or recognise them as Blu Ray discs. I've mentioned this in the movie mode section of my TZ7 / ZS3 review - scroll down this page:
http://www.cameralabs.com/reviews/Panas ... C_TZ7_ZS3/