Assume you are training a Ridge regression model and the accuracy rates are $0\mathrm{.}96$ and $0\mathrm{.}51$ respectively for training and test data sets. Which statement best describe your situation:

Group of answer choices

You have underfitting problem, you need to increase alpha in your model.

You have underfitting problem, you need to decrease alpha in your model.

Your model has high bias.

You have overfitting problem, you need to increase alpha in your model.

You have overfitting problem, you need to decrease alpha in your model.