As a semi-pro photographer (film mostly), I would like to point out that (IMHO) you are looking at a problem in the wrong manner. Low light sensitivity is an attribute of digital cameras, just as it is an attribute of most slide films. Also compounding your problem, is the fact that the lens on your camera is actually fairly slow. This means that it lets in a relativly small amount of light, especially when zoomed in. At full zoom, you have an F/stop of 8.7, slow enough that taking pictures with a film camera would be difficult. The difference between ISO 100 and 200 is a factor of 2. Similarly, the difference between f/8 (rounding your 8.7 down) and f/3.5 (your lens speed at its widest zoom) is a factor of roughly 6. If you really need to take pictures at night you have a few choices. First, shoot only with the lens at its widest position, this will provide 6 times more light to the CCD. Second, use the flash, however, that flash is probably only good out to maybe 10-15 feet, so be careful, also the flash is useless closer than about 3 feet. Your third choice would be to buy a bigger, external flash, but I can't tell (I actually doubt) that your camera supports one. Fourth option is to look around in your camera's settings and force a longer shutter speed (you should be able to do this). However, this will cause problems with your subjects moving and with camera shake. Your problem is much more one of optics and laws of Physics than one of fujifilm's poor planning. I strongly reccomend you head to your local library and pick up a Photography for Dummies style book, some kind of quick premer in photography (doesn't need to be about digial cameras) so you can understand the basic principles at work. Good Luck
Peace,
will