This episode's headline: Azerbaijan; Savings & Loss; Estrogen Dilemma. The guests include MELOR STURUA, Soviet Journalist; LT. GEN. WILLIAM ODOM, Former Director, National Security Agency; PAUL GOBLE, Former State Department Adviser; CORRESPONDENTS: MARY ANN BOWSER; CHARLAYNE HUNTER-GAULT. Byline: In Washington: JAMES LEHRER; In New York: JUDY WOODRUFF