Comparison of the spectra predicted by retBB (blue curves) and Schnittman & Krolik (2009) (red curves) for M = 10 M_⊙, f_col = 1.8 and i = 45°, 60° and 75° from left to right. In all panels, the solid curves show the direct disk radiation and the dashed curves show the elastic reflection of the returning radiation. The top panels are for a = 0, the Schnittman & Krolik (2009) spectra are read from the left column of their figure 4, and Ṁ = 0.2 L_Edd/c² is assumed in retBB to approximately match the shape thermal disk component of Schnittman & Krolik (2009). The bottom panels are for a = 0.998, the Schnittman & Krolik (2009) spectra are read from the left column of their figure 6, and Ṁ = 0.02 L_Edd/c² is assumed in retBB to approximately match the shape of the thermal disk component of Schnittman & Krolik (2009).