  We suggest that the atmospheric neutrino anomaly observed in the
Super-Kamiokande (and other) experiments results from the combined effects of
muon-neutrino to tau-neutrino oscillations with a Delta m^2 value of
approximately 0.4 eV^2 and oscillations between muon neutrinos and electron
neutrinos (and vice-versa) with 0.0001 < Delta m^2 < 0.001 eV^2. With an
appropriate choice of a three-neutrino mixing matrix, such a hypothesis is
consistent with essentially all neutrino observations.
