  We propose a hybrid model to fit the X-ray spectra of atoll-type X-ray
transients in the soft and hard states. This model uniquely produces luminosity
tracks that are proportional to T^4 for both the accretion disk and boundary
layer. The model also indicates low Comptonization levels for the soft state,
gaining a similarity to black holes in the relationship between Comptonization
level and the strength of integrated rms variability in the power density
spectrum. The boundary layer appears small, with a surface area that is roughly
constant across soft and hard states. This result may suggestion that the NS
radius is smaller than its inner-most stable circular orbit.
