  The launch of the Beppo-Sax satellite gave a unique opportunity to
investigate gamma ray bursts (GRB) in different spectral regions. The large
diversity of the afterglow behavior creates additional problems for the
cosmological model with a fireball. Formation of the afterglow giving the
observed diversity of properties is suggested in the Galactic neutron star
model of GRBs. It is based on the transient accretion disc formation around the
neutron star with a low-mass brown companion irradiated by the neutron star.
