Chris ~

Here's one of many sites you might wan to explore to help you make up your mind...

Steve's DigiCams site

There are tons of reviews on this site, as well as an extensive Bulletin Board.

Both Olympus and Fugi have good reputations...
one thing to consider - can the camera be SERVICED by the manufacturer IN the UK; or must you send it off the "island" for service??

And remember - "Digital" zoom doesn't give as nice a zoom as "Optical" zoom does. BUT - optical zoom feature adds to the cost of the camera!