Well, the mystery is solved, and I thank all for your interest and help.
The camera came late in the day and I was anxious to get out and do some shooting before dark. I shot with the default settings. Seeing the results made me wonder why I bothered to sell my D300 and paid a ton for this camera.
I still can't believe that this camera came out of the factory with settings producing images as it did. If they had their reason, you would think they would make reference in the quick start guide.
So, it is a keeper, along with the kit lens. Full frame for me, it is then.