My test images (in daylight, some in semi-darkness, taken with and without flash) were of poor quality. Monochrome colorful surfaces were noisy in the pictures, white areas rather gray-eyed when zooming. From my old Panasonic I was used to a much better quality. In addition, I had the impression that switching between shooting and playback mode has lasted very long (despite brand new contemporary memory card). In the "daily practice" Unfortunately an important point.
In short, the FS40 I have returned again and instead ordered the FS35.