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The standard Shakura--Sunyaev thin disk has three qualitative radial zones. Its hot inner part is dominated by radiation pressure and electron-scattering opacity; farther out, gas pressure overtakes radiation pressure while electron scattering can remain the main opacity; in the cool outer zone, gas pressure remains dominant and free-free opacity becomes important. The transition radii vary with $M$, $\dot{M}$, and $\alpha$.

For the inner zone, hold the surface density $\Sigma$ fixed during a local thermal perturbation. Vertical hydrostatic equilibrium givesso $H\propto T_c^4/\Sigma$. The alpha disk prescription then yieldswhereas optically thick radiative diffusion with nearly constant electron-scattering opacity givesAt equilibrium $Q^{+}=Q^{-}=Q_0$. For net cooling $\dot{Q}=Q^{-}-Q^{+}$,Thus the total-pressure alpha prescription predicts thermal instability of a radiation-pressure-dominated alpha disk: a temperature increase makes heating outrun cooling. The absence of ubiquitous, large-amplitude thermal limit cycles in luminous AGN light curves indicates that this local model omits stabilizing effects, plausibly magnetic pressure and stress, vertical advection, winds, or a stress law that does not simply track total pressure.

The Soltan argument compares the time-integrated luminosity density of the cosmological AGN population with the present comoving mass density in dormant supermassive black holes. If $U_{\mathrm{AGN}}$ is the emitted energy density corrected for obscuration and bolometric output, accretion with population-averaged efficiency $\bar{\eta }$ predictsIn practice $U_{\mathrm{AGN}}$ comes from integrating AGN luminosity functions over luminosity and cosmological redshift, with corrections for obscured sources and missed wavebands, while ${\rho }_{\mathrm{BH}}$ is inferred from local galaxy--black-hole scaling relations.

The inferred efficiency is of order the canonical thin-disk value, about ten per cent, so most cosmic black-hole mass was accumulated in radiatively efficient, optically thick accretion episodes. Radiatively inefficient flows can dominate low-luminosity activity or brief extreme phases, and mergers redistribute existing mass, but neither naturally accounts for the observed integrated AGN radiation while supplying most of the final mass.