Thanks, Dickie and Mattie.
I'm using a Sony DSC-F707. The camera is a couple of years old. It's a 5 megapixel digicam with a 5X optical zoom. The camera has a great Carl Zeiss lens. The only issue I have with it is that I couldn't zoom in on the macro shots like I wanted to, so I just went out and spent 30 bucks on a set of macro lens filters that screw on the end. Now I can get pretty close shots. They are hard to focus, though. Also, that lens is pretty big, so the camera would be bulky to take to Disney World, or something.
Many digital cameras allow you to change the sensitivity of the ccd inside that reads the light coming through the lens. That sensitivity level is called the EV. Is you turn it down, you get less exposure for a given arperture/shutter speed combination.
When I was allowing the camera to select shutter speed automatically, my photos were getting over-exposed, resulting in "blow out" or saturation of the brightest areas of the photo into white blobs. When that happens, you are losing color information in your photo. DrDrew suggested to me that I turn down my EV level to get rid of that, and I'm happy with the results.
Adjusting the EV level is not somthing that would help any particular photo. It's just that my particular camera over exposes shots of my tank. Yours may not.