These three photos were taken of the same subject (my daughter, Emma) at 3 different times of the day. She was sitting on the sofa next to a window.
The first photo was taken at 10:00 AM (in Vermont, month of February). Camera settings: f 2.8, shutter speed 1/15, no flash and only natural light.

The second photo was taken at 3:30 PM (again in Vermont, month of February). Camera settings: f 2.8; shutter speed 1/10; overhead, incandescent lighting and no flash.

The third photo was taken on the same day at 8:23PM. Camera was set to automatic with auto flash. Incandescent, overhead light.

I'm not sure that I love any of these shots. My point and shoot camera can be quite frustrating when shooting indoors, and manually adjusting the settings only helps so much. It's cool to see the difference lighting makes on a photo, though. Which photo looks best to you?