Thank you, and all others for your time and patience with my "problem".
I have decided to put a pic here which I took originally using a Panasonic FZ30 at 3Mb, standard, f4 and 1/125sec. I had to reduce it for this website - the original size was 823Kb, the one here is 202Kb. I used Paintshop Pro to reduce it.
Please feel free to comment on the pic. Currently, seeing the original on a 21" monitor or printing it on A4 photo paper, I really can't see anything "that bad" with the pic.
Maybe I'm just one (of many?) who are easily satisfied - I don't know!
Regards (to all),