Characteristic spectrum expected from low-luminosity accretion onto a magnetic neutron star. The high-energy spectrum is produced in the radiative shock near the bottom of the accretion column. The parameters are: τ_⊥ = 5, kT_e = 50 keV, and B = 10¹² G. We have added to it a blackbody spectrum of temperature kT_BB = 0.5 keV such that its peak has the same height as the peak at 80 keV.