  Using Sloan Digital Sky Survey (SDSS) quasar spectra taken at multiple
epochs, we find that the composite flux density differences in the rest frame
wavelength range 1300-6000 AA can be fit by a standard thermal accretion disk
model where the accretion rate has changed from one epoch to the next (without
considering additional continuum emission components). The fit to the composite
residual has two free parameters: a normalizing constant and the average
characteristic temperature $\bar{T}^*$. In turn the characteristic temperature
is dependent on the ratio of the mass accretion rate to the square of the black
hole mass. We therefore conclude that most of the UV/optical variability may be
due to processes involving the disk, and thus that a significant fraction of
the UV/optical spectrum may come directly from the disk.
