Verified answer

the card needs formatted

Because the xD (not SD) card you are using, is too slow to record longer length movies.

From the SP 565's Manual (page 79)

"The maximum length (of movie) is 40 secs when using a Type M or Standard xD Picture card"

I recommend a Type H card, which is faster than the standard Type M card (you're most likely using).

i'm going to circulate against the group staggering right here...certainly, Canon and Nikon make surprising cameras (and for the sake of comprehensive disclosure, i'm a Nikon guy!) yet, until you're making plans on going expert and spending loads of money i might look at distinctive manufacturers, and that's the reason: as a thank you to compete with Canon or Nikon's acceptance, they'd desire to placed out greater effective cameras. be certain out the Olympus, Panasonic or Pentax kinds. they are particularly waiting to stellar pictures, and you will get greater effective function gadgets for the money.