I am looking to take a step up from my point and shoot digital camera. I like taking pictures, but am not a hard-core photography guy - like playing with some effects, closeups, etc. as well as a wide variety of indoor and outdoor shots. I don't think I am ready for a full fledged D SLR, but I am intrigued by the "super zooms" that seem to be just a bit below that level. Cameras I am considering are Nikon Coolpix P90 24X; Canon PowerShot SX 20 IS, and Panasonic Lumix DMC FZ 35. It seems as if the Panasonic may get the best reviews, but I have no experience with Panasonic cameras. Any advice/recommendations/caveats anyone might have would be welcome.