As promised, here are some more examples of what the ZS20 can do. I am amazed at how good this little camera is.
Some usage notes. Unlike most of the digital cameras that I've owned, the ZS20 doesn't come with an external charger for its battery. Panasonic wants you to charge the battery, inside the camera, using a USB cable that they expect you to attach to a computer or an AC adapter. Nuts to that. I went to Amazon and bought a set, made by Wasabi (?), that includes two spare batteries and an external charger, all for about $30. Well worth the price. Now I can have a battery in the charger while I have one in the camera. A bonus, you get plastic covers that slip over the battery and cover the contacts, allowing you to carry a spare battery in your pocket.
I previously mentioned that I'm carrying the ZS20 in a belt case that I used to use for a Garmin PDA/GPS. That case isn't made any more, so I checked on Amazon and came up with the Lowepro Dublin 30 (who names these things?). It's a padded case, with a belt loop and Velcro flap that just fits the ZS20. It's about $10 and it's available in different colors. I chose the black one.
Here are some more pictures that should give you some idea of the ZS20's capabilities. As before, most of the pictures were taken within walking distance of where I live.
Some technical notes: All shots were taken with my Panasonic DMC-ZS20. They're all JPEGs. Post processing was done with LightZone 3.