FZ35 SD cards
"I was wondering if there's an FZ35 setting I've overlooked."
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That is quite possible although I am not sure where if so. I was going to say I just tried that and was able to play back all my images on the cam. But, I just noticed that it was the FZ28 I was using and not the FZ35. I can try it on the FZ35 later and see what happens, but I am fairly certain I have done that before on the FZ35. So, it probably is a setting that needs changing like you suggested.