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"RE: White circles on photo. What is it?"
The cleaning chemicals used in wet cleaning the sensor may very well take care of whatever it is, oil included. It may take multiple swabs to get all of it. But I would give it try before sending camera back.
Dave BadgerBlacksburg, VAMy Nikonians gallery, or visit www.AlternateViewsPhotography.com ."You don't quit playing because you grow old; you grow old because you quit playing."