I'm new to the forum and just got my FZ-20K from Vanns.com for $458.20 + $7.71 for FedEx 3 day express. It was factory refurbished, a return from a customer who thought it was too complicated for them. It appears brand new, and works just fine. I love it. I was going to buy from Circuit City but saw the deal at Vann's and couldn't pass it up. They've gotten consistently high customer ratings, otherwise I would have hesitated to buy a refurb.
I've been lurking for several weeks now and have learned quite a bit from you guys. Thanks. It's been a few years since my old SLR was stolen and I'm eager to get back into photography, especially since I don't have to buy film. Looking forward to posting some pictures in the next day or so.