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spots on inside of lenses, how to clean with out sending in for the price of a new camera?

yourbondsman1, yes you can if you like to work with really small parts and have all the right tools. Here is the Lens disassembly procedure==» DMC-ZS25-Lens-Service.pdf«==. It may just be easier to replace the complete lens assembly. Cost for that is around $35-$40