OK...Just ordered this from Costco.

Thanks for all the advice.

Nikon D40 6.1MP 2.5"
18-55mm, 55-200mm VR Zoom With Image Stabilization

VR Assures Dramatically Sharper Images, Bonus 2G SD Card
2.5 f/s & Advanced 3-Area AF

$699.99

Item # 247540

Shipping & Handling included