  We have calculated the spectrum and polarization of a standard thin accretion
disk with parameters appropriate for a bright quasar. This model improves upon
previous work by including ultraviolet metal line opacities, assumed for now to
be in LTE. Though not yet fully self-consistent, our calculations demonstrate
that metal lines can change the spectral slope, reduce the polarization, and
reduce the Lyman edge feature in accretion disk spectra. Some observational
differences between quasar spectra and accretion disk models might be
reconciled with the inclusion of metal lines.
