Are you saying that you can reduce the mega-pixels before pdf,or after.
Do it before you PDF it. There is no need for images bigger than 640 x 480 pixels if it is a "paperless" file for viewing on a computer screen. There are some carriers with specific requirements, I have 2 carriers that ask for a resolution of 1024 x 768 on their photos (one notch up the food chain).
The sequence is this: Shoot with a low resolution setting (or convert them to smaller resolution after the inspection). Then you place those images in a document, photo mounting sheet, or directly into an estimating program's photo sheets. Then you PDF it.
I personally shoot at higher resolution (over 2,000 pixels wide) and use a program called ACDsee to "batch convert" the images to 640 x 480. It will leave your original images unharmed, it makes copies of them. Actually I back my photos up to a 2 gig USB drive before I do anything. I have that plugged in to my laptop first, then connect the camera. I make a folder with the day's date on the removable USB drive, and COPY all of my photos to that day's folder. And as that starts to get full I move them off onto CD's. So I am always working with copies of my files - or have copies of the files. You have to keep original copies of your images if you do any of this, so they can be used in court (1 in 1,000 but you have to be prepared).
After you copy all images to the removable USB drive, then you can MOVE the photos off the camera's memory directly to your hard drive. Personally, I do this with ACDsee so I can see the thumbnails and determine where one inspection ends, and another starts. ACDsee will do this quickly - much better than the viewer than comes from Microsoft. CREATE FOLDERS on your hard drive (on the desktop, or claim files within My Doc's or whatever) and just move the photos where they need to go.
Then I use that same ACDsee program to view the thumbnails, delete the ones I'm not going to use, and arrange the ones I am going to use in the sequence I want. Then I select them all (Ctrl-A) and do a batch re-name so they are 01.jpg 02.jpg 03.jpg. I am still using the old version 4 of ACDsee because it is lean and mean. It lets me tweak the program so the thumbnails are as large as possible with virtually no border around the image, so I can see as much of the picture as I want without wasted real-estate on the screen.
I set it up so that it doesn't display the name of the image, date it was taken, or resolution. My screen is solid pictures, and I can make them as small as a postage stamp (48 images on screen) or as large as a postcard (4 per screen) but I usually set it for 12 images on screen so I can see them really clearly despite the fact they are thumbnails. I know people that use the newer versions of ACDsee and are happy with it. The current version is ACDsee 10 and it cost $49. I also have Photoshop at over $500 and so on, but for IMAGE MANAGEMENT you cannot beat ACDsee. If you are broke, here's another link to a free program that will batch-convert the image size, and rename, called ifranview.
I have shot high mega pixel before, but can go to wal-mart and get lunch and be back before they are completed downloading.
Well, we know your camera is a $130 Panasonic. It may have the old slow USB, most good cameras, printers, etc. these days are the much faster USB 2.0
I have a camera from 2004, my laptop from 2005, both of them have USB 2.0 and I can download a day's photos in less than 60 seconds at a resolution of 5 megapixels. That would be 100 to 200 photos.
You could have no USB 2.0 port on your computer. Or you could be using an old cable that doesn't support that rate.
Or you could be using the software that came with your camera to download the images, which is something I refuse to do. I just use Windows to create the folders with the claim names I want, and connect the camera, and download them directly as though they are document files or whatever.
When you connect a camera with USB cable, Windows will often pop-up a thing asking if you want to use the camera wizard to view the files, or just "open the folder" (that is the choice you want).
DO NOT USE the windows "camera and fax" wizard or whatever that is called - You just want to move file names, not the bloat-ware image viewer thing that comes with Windows. You have to get good at creating folders, and knowing to look at the right place on your camera's memory card to find your images. It isn't as easy as it sounds. I have had 6 digital cameras, and all of them create a folder (often called DCIM which stands for Digital Camera Image Management) and then it will have numbered folders inside of that one, and keeps creating additional folders as you take pictures.
Canon and Nikon both do this, it is part of a "standard" set up by the digital camera industry. You can get scared and think you are missing photos - but it is just the way all digital camera's store images. Your "missing" photos will be in the next numbered folder that the camera created when you hit over 100 images in the last folder, or sooner if the images are very large. That is why the Microsoft (or your camera's software) viewer lets you see all of the images - it is shielding you from the guts of the machine. But if you want to download fast, you just reach in and grab the photos directly. At least that's what I do.
Another thing, when you take the pic's you can set the camera for 3 mega-pixel, 5 mega-pixel or whatever, but there is yet another choice that has nothing do do with how many "pixels" or resolution. It has to do with COMPRESSION. That is what JPG does, it is a method of compression so the photo isn't a huge download. Just set that on "normal" not "fine"
People are often confused by these settings, because they will have a name for the QUALITY such as "low" "medium" or "high" and again this is referring to how much compression is used when the file is stored as JPG (which stands for Joint Photographic Experts Group). It is an algorithm that says "I am going to look at this group of pixels that is 8 across, and 8 down. Within that group of 64 pixels most of this sky is the same shade of blue". And it will say "this color for 50 of these pixels" rather than describing each pixel individually, which is what a "raw" or uncompressed photo does.
If you changed the quality setting on your camera from "normal" to "fine" then the camera is going to say "there are actually 4 different shades of blue in this block of 64 pixels, so 20 of them are this color, 18 of them are that color, etc". If you put it on "super fine" or raw, there is basically no compression at all and your memory card will fill up fast.
You can take a 5 mega-pixel photo and with the least compression it will be a huge download, like 3 megabytes. Or you could shoot it with lower quality (more compression) and it is still the same number of pixels - but 1/10 the download size.
The old Sony Mavica's that write on a floppy disk used HARSH COMPRESSION to be able to fit a dozen or more photos on a little floppy disk that was only 1.4 megs. You take one of those photos, and use something like ACDsee to blow it up 500 % and you will see all kinds of "grid" like blocks and squares, where the harsh compression has discarded much of the detail within those 64 pixel blocks.
That is literally how JPG works, 8 pixels across and 8 down. When I shoot at over 2,000 pixels across, the slight amount of lost quality from compression is insignificant. If you are shooting at 640 x 480 with the worst quality (harsh compression) you will start to notice odd "jaggies" and squares in the image - especially where there are subtle changes in shading or color. And there is no way to get the image quality back if that is the way it was taken originally. Which is why I shoot high resolution, at medium-normal quality, and go through the time to batch-resize the images.
If you choose "normal" quality on any modern digital camera, it will be a good photo, without huge download size. Earlier in this thread we were talking about the camera, and do you NEED a super-high quality piece of hardware. I say that you need to know the settings and how to work with the camera as equal importance - and that the camera can just be "pretty good" (which is what Mike was saying before). I'm just glad they keep coming down in price. My first Mavica was about $700, and it had hardware issues after a year. Then I got a $1,000 camera that had intermittent focus problems, but it was one of the only wide angles available. I ditched that before a year was up, and my next one was about $1,000, and I replaced it in 2 years due to obsolescence. Today you can get a truly good compact digital for well under $300 (or the digital SLR's from $500 to $1,000). But you got what you paid for with the $130 Panasonic.