Did I ever say that you're wrong to say that you can shoot at 1/40.
And I was merely pointing out to you and others that the actual focal length is only 72mm and 1/40 is no surprise and not a big deal as it is only 1 stop down.
So you are trying to tell others that you have to shoot faster than 1/420 on the FZ if OIS is not on? This indirectly means that if image stabiliser is not on, you can't shoot handheld at full zoom in most except the brightest light condition. That is definitely not the case because it means it's a miracle how tens of thousands of people have shot at much slower shutter speed at full zoom on prosumer cameras without image stabiliser in the past. So I'm proud to announce that I've been performing many miracles by shooting between 1/60-/200 handheld on uncountable occassions with my prosumer camera without image stabiliser at full zoom 280mm on 35mm format equivalent (actual focal lenght is 72mm). For other focal lengths, I can easily avoid handshake blur on almost all occassions when shutter speed is slower than 1/2 of 1/focal length on 35mm equivalent but faster than 1/actual focal length (e.g. at 1/40 at actual focal length 25mm which is about 100mm on 35mm equivalent). It's no miracle if one knows the truth.