  The spectra of quasars and NLS1 galaxies show surprising similarity in their
spectral shape. They seem to scale only with the accretion rate. This is in
contradiction with the simple expectations from the standard disk model which
predicts lower disk temperature for higher black hole mass. Here we consider
two mechanisms modifying the disk spectrum: the irradiation of the outer disk
due to the scattering of the flux by the extended ionized medium (warm absorber
and the development of the warm Comptonizing disk skin under the effect of the
radiation pressure instability. Those two mechanisms seem to lead to a spectrum
which indeed roughly scales, as observed, only with the accretion rate. The
scenario applies only to objects with relatively high luminosity to the
Eddington luminosity ratio for which disk evaporation is inefficient.
