The plunging region begins near the innermost stable circular orbit, where nearly circular motion becomes unstable and radial inflow becomes rapid. If the inflow time is shorter than the stress-transport time, the gas approximately conserves its specific angular momentum there.
A thin disk with alpha disk viscosity has a viscous timescale much longer than its dynamical infall time in the plunging region of a black-hole accretion disk. At fixed nonzero accretion rate, rapid inflow reduces its surface density of a disk. The resulting viscous torque in an accretion disk is smaller by the displayed factor than in the slowly drifting circular disk. This estimate concerns radii outside the narrow matching layers.
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