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TLDR. is just the title.
I know nothing about photography, sorry. My dad has a d90 he never uses, so I use it to take photos when I need them for something.
Anyways, I put it on raw mode. when I open the photos on my computer, the jpg looks like the viewfinder view. The NEF looks like the jpg for a second, then gets "rendered..?" with boosted highlights so it looks washed out. This is actually what the playback looks like on the low resolution camera display.
Im probably doing the settings wrong, but I cant explain why the jpg looks normal.