Accretion-disk thermal S-curve ($T_{\mathrm{eff}}(\Sigma )$)

At fixed disk radius, balancing local heating and cooling gives thermal equilibria parameterized by surface density and temperature. In the hydrogen-ionization disk instability, this locus has cold and hot stable branches joined by unstable equilibria. Crossing the turning points drives the state changes of a dwarf nova. Thermal stability of an accretion disk tests the local heating and cooling response, while viscous evolution of an accretion disk changes the surface density.