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1 Introduction
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2 The Mass-Luminosity relation in the ``thin disc" model
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3 What can be wrong with this analysis?
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4 Spectral distribution predicted for accretion discs
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5 First possibility: Super-Eddington accretion rates
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6 Second possibility: The Blue Bump is not emitted by
gravitational release of energy
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7 Third possibility: Completely non standard discs
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8 Conclusion
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References
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