Departments tableofcontents

25 Rapid Fire  Resolve to be a better networker in 2015 with some helpful tips from the experts.  Students should apply now for MOAA Scholarship Fund grants and loans.

35 Washington Scene  The House and Senate reach a bipartisan agreement in December on the FY 2015 National Defense Authorization Act.  Facing a rising tide of military person- nel program threats, MOAA announces its 2015 legislative goals.

50 Chapters in Action MOAA recognized at its 2014 annual meeting the best councils and chapters.

54 Financial Forum Get to know the FDIC and SIPC, the two groups that provide depositor insurance.

56 Ask the Doctor Many products are pitched as “scientifically tested,” but not every study is objective.

79 Pages of History A Union lieutenant is honored posthu- mously for his conspicuous gallantry.

80 Lessons Learned An armored cavalry platoon leader gets an explosive introduction to clear regulations.

92 Encore A new instructor pilot feels confident until he makes a stellar fledgling mistake.

6 MOAA Directory 12 From the Editor Forward Progress 14 From the Chairman Stand Ready 16 Your Views 82 Faces of MOAA 82 Member Books 88 Advertising Index 88 MOAA Calendar 89 World-Class Products 90 Sounding Taps 91 MOAA Scholarship Donors

2 MILITARY OFFICER JANUARY 2015

IMAGES: SEE PAGES 25, 26, 28, 30, 92