I was recently emailed about the problem with Camera Raw and the D90. You need Camera Raw V5 and up but that isn’t compatible with CS3. That’s very annoying, isn’t it? Adobe’s Camera Raw download website
So, if you have Photoshop CS3 and buy a Nikon D90, you will need to upgrade to CS4 if you want to use Photoshop to process your raw files.
Alternatively you can buy Lightroom 2 or Nikon’s Capture NX2.
****UPDATE***
The fix – update Camera Raw to version 4.6 and it adds D90 raw file compatibility to CS3.
DOWNLOAD HERE
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What do I use – I have a D700 and had the same problem with Photoshop.
I bit the bullet and upgraded to CS4 so that I could use Bridge and Photoshop for the start of my HDR processing. Second step is to save as tif, and open in Lightroom 2 for final adjustments.
Yes, I know Photomatix is the software everyone likes to use for their HDR, but I like the presets I’ve created in Lightroom2. And, I can’t buy EVERY piece of software that I like…i wish….
Here are two of my current favorite HDRs.
I hope you like them too

