Cataclysmic variables are usually classified Into dwarf novae, nova-li
kes, Z Camelopardalis stars, VY Sculptoris stars, and so on, on the ba
sis of their long-term photometric behavior. We show that some aspects
of this behavior may be caused by variations in the mass transfer rat
e from the secondary star about the current secular mean, and the cons
equent stability or instability of the accretion disk, if present. The
most likely cause of the mass transfer variations on these timescales
(years or less) is starspots. Mass transfer variations can cause low
states in systems with otherwise steady disks, but they produce only s
ubtle effects on dwarf novae, including variations in the outburst sha
pes and the standstills of Z Cam systems.