Hank asks,

I’m looking for point & shoot top end with 28 mm lens, what do you think of the Panasonic Lumix DMC TZ3. I’ve read the reviews hard to believe how opinions differ.

Unfortunately I have not had any experience with the DMC TZ3, but when it comes to reviews I have found dpreview.com to be reliable, accurate, and unbiased.  Hope that helps!