It looks like this model is phasing out anyway, but this is just a word to the obsessive shoppers who are spending countless hours examining reviews and painstakingly weighing the differences between this and the FZ40 (as I did)...Many people have said that the FZ35 images have less noise than the FZ40. That may be true, but the FZ35 is still pretty noisy, even at low ISO's, so the difference is probably minimal. They are sharp, detailed and well-exposed, but the grain is noticeable at larger sizes...doesn't even compete with a first generation Canon Rebel on that front. So don't think the choice is between a camera with minimal noise and another with a lot of noise; neither of them is stellar. If I were to make the decision again, I would go with the FZ40 because of the improved features and increased zoom.Other than that, it's still a great camera and I use it all the time. The zoom, compactness, and fantastic video implementation are wonderful. Just don't pixel-peep at 100% or you'll be disappointed. 

Question: How is setting?
Answer: obsessive shoppers