a) H − K_s vs. H −  [3.6]  and b) H − K_s vs. H −  [4.5]  color–color diagrams for X-ray emitting stars in Pismis 24 cluster. The filled circles represent all the members of Pismis 24 cluster detected in H, K_s, [3.6], and [4.5] bands. The dashed lines and arrows represent the extinction laws. The solid lines are the locus of colors for diskless stellar photospheres estimated from stellar model atmospheres (Brott & Hauschildt 2005). The arrow length denotes one magnitude of extinction in the K band. The open diamonds show the cluster members with inner disks which show excess emission in both [3.6] and [4.5] bands.