What is the 'Dunning-Kruger Effect' in the context of novice drivers?

1. The tendency of experienced drivers to forget how to use parking brakes
2. The psychological effect of driving school vehicle colors on surrounding traffic
3. A cognitive bias where low-competence novice drivers severely overestimate their driving skills while failing to recognize their own incompetence and elevated crash risk
4. The ability of drivers to estimate fuel consumption within 1%