Thanks Suhit. I can't say why it happened, but I'm sure I did it. Wouldn't expect Canon to cover it (my mom taught me this

) but if it's going to be a $300 repair bill, I may as well start thinking about buying a new one. Really love this camera, too.
Now...I need to find a case that protects, but doesn't bulk it up. Rhino Skin for an S400???
But before that, it's a call to Amex to see if the advertised purchase protection really is what they market. Keeping my fingers crossed.