A loan officer compares the interest rates for 48-month fixed-rate auto loans and 48- month variable-rate auto loans. Two independent, random samples of auto loan rates are selected. The resulting data are: Fixed-rate: 8.9% 7.8% 7.6% 9.1% 6.8% 8.2% 7.6% Variable-rate: 6.2% 4.5% 5.5% 4.4% 6.1% 6.9% What is the point estimate for the variance for the population of the variable-rate loan percentage?