Ian Delaney on the Official Nokia blog about the aforementioned 41-megapixel camera:

Otherwise, you can use ‘Creative Shooting Mode’ to capture images at high resolution – 38 megapixels; then reframe, crop and zoom to find the best “picture within the picture” after the image has been shot and before saving it at convenient sizes for sharing and storage.

So it shoots the pictures at 41MP and converts that to 5MP to make things more manageable, but there is a mode where you can shoot all out at 38MP. Now that is confusing, but also pretty impressive.

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