We consider the nonlinear outcome of gravitational instability in optically-thick disks with a realistic cooling function . We use a numerical model that is local , razor-thin , and unmagnetized . External illumination is ignored . Cooling is calculated from a one-zone model using analytic fits to low temperature Rosseland mean opacities . The model has two parameters : the initial surface density \Sigma _ { o } and the rotation frequency \Omega . We survey the parameter space and find : ( 1 ) The disk fragments when { { \langle } { \langle } \tau _ { c } { \rangle } { \rangle } } \Omega \sim 1 , where { { \langle } { \langle } \tau _ { c } { \rangle } { \rangle } } is an effective cooling time defined as the average internal energy of the model divided by the average cooling rate . This is consistent with earlier results that used a simplified cooling function . ( 2 ) The initial cooling time { \tau _ { co } } for a uniform disk with Q = 1 can differ by orders of magnitude from { { \langle } { \langle } \tau _ { c } { \rangle } { \rangle } } in the nonlinear outcome . The difference is caused by sharp variations in the opacity with temperature . The condition { \tau _ { co } } \Omega \sim 1 therefore does not necessarily indicate where fragmentation will occur . ( 3 ) The largest difference between { { \langle } { \langle } \tau _ { c } { \rangle } { \rangle } } and { \tau _ { co } } is near the opacity gap , where dust is absent and hydrogen is largely molecular . ( 4 ) In the limit of strong illumination the disk is isothermal ; we find that an isothermal version of our model fragments for Q \lesssim 1.4 . Finally , we discuss some physical processes not included in our model , and find that most are likely to make disks more susceptible to fragmentation . We conclude that disks with { { \langle } { \langle } \tau _ { c } { \rangle } { \rangle } } \Omega \lesssim 1 do not exist .