I too have this same problem with the hazy white circle in the middle of my photos. This happens only when I am taking photos with my S95 in bright light, in any type of temperature or humidity. I can still use the camera in lower lighting situations. When I read the camera manual, it says not to aim the camera at bright light sources, e.g. the sun, as doing so can damage the image sensor. I believe that I damaged the image sensor by frequently taking pictures into bright sunlight. I wasn't necessarily taking pictures of the sun directly, but I certainly took many photographs with a very bright sun in the background.