We present a formalism for evaluating the amplitude of the NMR spin ec
ho and stimulated echo as a function of pulse spacings, for situations
in which the nuclear spins experience an effective longitudinal magne
tic field h(z)(t) resulting from an arbitrary number of independent so
urces, each characterized by its own arbitrary time correlation functi
on. The distribution of accumulated phase angles for the ensemble of n
uclear spins at the time of the echo is approximated as a Gaussian. Th
e development of the formalism is motivated by the need to understand
the transverse relaxation of Y-89 in YBa2Cu3O7, in which the Y-89 expe
riences Cu-63,Cu-65 dipolar fields which fluctuate due to Cu-63,Cu-65
T-1 processes. The formalism is applied successfully to this example,
and to the case of nuclei diffusing in a spatially varying magnetic fi
eld. Then we examine a situation in which the approximation fails-the
classic problem of chemical exchange in dimethylformamide, where the m
ethyl protons experience a chemical shift which fluctuates between two
discrete values. In this case the Gaussian approximation yields a mon
otonic decay of the echo amplitude with increasing pulse spacing, whil
e the exact solution yields distinct ''beats'' in the echo height, whi
ch we confirm experimentally. In light of this final example the Limit
s of validity of the approximation are discussed.