I want a camera I can take kayaking.

Requirements:
1) Must have a viewfinder.
2) Must be water-resistant. This does not mean waterproof, I am not going diving with this camera. But if it gets splashed on, or even briefly submerged, I want it to keep working.
3) Must have a minimum of 6x optical zoom, with 2x or 4x digital zoom.
4) Must be priced less than $250

This camera will not be gently treated, it is going to get banged around and wet. It doesn't need to be some tiny digital marvel that fits in a shirt pocket, form factor doesn't matter.

Is there anything out there that even comes close?

tanstaafl.