Well, the laugh's on me! We just got back from 11 days in So. Calif (had a wonderful time!). Stayed with my S-in-law, who has a fabulous garden. One AM I got up early to get into the garden at sunrise with my camera. I forgot my glasses in the house, but I didn't want to go back in and disturb anyone, so I carried on. BUT, what I thought I was setting at f4.0, sans glasses, was actually 40.0! That's right; it IS possible. When 1/3rd of my pics downloaded totally black, I did one thing: clicked the "exposure auto focus" in my editing program. In changing a verrrry dark photo to lighter, the effect is what is seen in the pink rose pic. I sent my black pics to a professional who ran an analysis and told me that in fact the setting was f40.0! My question is: does it look just plain noisy, or does it look like special effects? I usually keep my pics sooc, and don't know much about dooding up a photo. Personally, I think like this effect.
Settings: f40.0; ISO 320; focal length 105 mm

After not being able to see anything in the LCD while shooting, I took a closer look and changed my settings to what I really wanted. Below, a rose backlit by the very first light of the day:
f 9.0 ISO 200; 105mm spot metering

And just a few minutes later, I buried my camera in a patch of sweet peas - still getting the morning sun, high enough now to make shadows: