Just two problems that perhaps are my fault. It does not take good 'low light' photos no matter what settings I use.
I have an HS25EXR. I struggled w/low lighting until I started using the Adv setting, which takes several "quick" pictures & puts them together. The pictures still aren't "great", but they're a lot better than anything I was getting otherwise. From what I can tell, the HS20EXR has the same setting; that's just as bad for you?
Of course, our definitions of "low lighting" could be different...