Decoding the time-lags in accreting black holes with XMM-Newton Phil Uttley Thanks to: P. Cassatella, T. Wilkinson, J. Wilms, K. Pottschmidt, M. Hanke,
Strong Gravity Effects: X-ray spectra, timing and polarimetry AC Fabian IoA Cambridge UK With help from Giovanni Miniutti, Josefin Larsson, Jamie Crummy,
