Clinical Analogy
High Bias (Underfitting): Using only age to predict all cancer risk — ignores BMI, glucose, family history. Systematically wrong for every patient.
High Variance (Overfitting): Memorising every outlier in training data — a rare elderly patient with low BMI "teaches" the model that all elderly patients are low-risk.
Optimal model:
— Polynomial degree 3-4 fits the true
non-linear clinical signal
— Degree 1 = underfits (high bias)
— Degree 9+ = overfits (high variance)