Black holes are the simplest possible objects, characterised by only mass and spin. We see them via accretion, so there is one more fundamental parameter which is the mass accretion rate. Here I will review how the data from both stellar and supermassive black holes can be fit into a framework where there is a major spectral transition at $\dot{m}=L/L_{\rm Edd}\sim 0.01$ where the optically thick disc is replaced by a hot flow. This dramatic spectral changes also changes the expected properties of thermal and radiatively powered winds, matching the overall properties of winds seen in new XRISM data from the stellar mass binaries, though there can also be additional UV and dust driven winds in supermassive black holes. The radio data in stellar and supermassive black holes are clear that the hot flow (not the disc) connects to the radio jet, and the radio-X-ray 'fundamental plane' can be qualitatively understood if the radio quiet AGN and stellar mass black holes have low to moderate spins,
with the jet power set as a constant fraction of the accretion power. A small fraction of AGN (radio loud) instead
have much higher (factor $100-1000\times$) radio-to-X-ray ratio at the same black hole mass and mass accretion rates. I speculate that these have higher jet power due to high black hole spin. I review the multiple issues still remaining in this picture, most of which are connected to the geometry and nature of the X-ray corona, and the conflicting constraints on this which come from reflection spectroscopy and polarimetry.