Anyone know what grade they start out at. O-1 or is it O-2 since they need a MSN? I am assuming that reg. nurses start at O-1? I know CRNA's get a incentive bonus but what about other nurses? I got out of the Navy in 98 so I can't remeber the minimum in each grade so can someone let me know what the minimum is up to O-4? Also, I heard that you don't have to carry liability. Is that true and if so is it a good idea not to carry it?