#' @export
clust.ratio.var<-function(dat)
{
rat<-apply(dat$y.value,1,mean)/apply(dat$x.value,1,mean)
((1-dat$m/dat$M)/dat$m)*(est.syy(dat,n=dat$m)-2*rat*est.sxy(dat,n=dat$m)+rat^2*est.sxx(dat,n=dat$m))/dat$mu.x^2
}
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