Patti, the second rule you stated (and I remember it well) really is kind of lost when it comes to digital because it's so easy to make adjustments. The simple fact is that lower ISO will always render a better quality whether film or digital. As a film shooter I was always happy to see Kodak's constant improvements in the quality of the higher speed films. (Dang if THAT didn't free us up at weddings!!) I feel the same way about Canon's unbelievable performance at the higher ISOs. And it's just going to keep getting better!

Interestingly though, with film there were times when I chose the highest speed film I could find and then "pushed it" to a higher speed just for the effect I got from the film grain. I've yet to have the desire to do that with digital but Jose is right, there's plenty of room to let our imaginations run wild. I tend to be very technical when it comes to my photography, but I always try to remember I'm an artist first. My suggestion to anyone who asks... learn to stay out of the box.