DiverLS:Hi Betsy - i would advise going digital from the start. You can get a great deal on film right now, I would even give you a great deel on a Sea & Sea MXII that I have been taking great shots with. The problem is I can't get 35 mm film processing on the boats anymore. I'm going on the Galapagos Agressor II the end of September and they don't even offer it. The MX10 is also 35mm film. Sorry Herman.
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Hey the advise is still good, just 6 yrs out of date. Today I would suggest digital as well.
By the way that same MX-10 camera is still working fine but it does not see much use these days, the 5050 takes the shots now.