Start with a Canon 400D. You can collect lenses as you need them (L series/higher end lenses) and then upgrade to a better Canon body later down the track. No point buying a lumix with a heap of lenses that has to be sold as one whole package when you decide to upgrade to a Canon/Nikon.

This also applies to Nikon slr's (instead of Canon).

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TD06 - Oink.