Never had this with my FZ20, so don't really know what the problem is. The following suggestions are really "clutching at straws" as the fact you have a coloured logo on start up sounds like something nasty - a return under guarantee job.

A lifetime of dealing with electronic goods has taught me that there is one sure fire solution - remove the power! This is difficult in cameras and computers because they have an inbuilt battery to retain the vital settings - so it may not work! Remove the battery for at least a couple of minutes.

It may be worth a look at these two menu settings.

The first is the more unlikely, but check that the white balance is set to "auto"

More plausible is that the Colour Effect (Col Effect) is set to "Sepia" rather than to "Off"

You say your husband is not a fiddler, but I can assure you that those pesky buttons are awfully easy to press. I can't count the number of times I have ended up in the menu system when I wanted something completely different! Give me good old fashioned aperture and shutter speed controls anytime!

If none of the above works, it looks like a fatal flaw in the information to the viewing system (the viewfinder faithfully follows what the rear screen displays) so a major fault in a connection or the processing chip(s) would show up on both.

Paul