Kalidor - Thanks for the info.
I usually keep my TZ20 on the IA - Intelligent Auto - setting. In IA mode, the Menu Set, Set Up does not include Format. I have just discovered that if I go to the P or MS1 selections and click on Menu Set, there are more Setup options which do include Format. So all is finally solved.
Many Thanks for the help.
The attached is all the book says about Format.