paragraph: In cross-validation, we choose a number k, and partition our data into k disjoint subsets called folds. Now we choose one of those k folds as a test set, train our folds classifier on the remaining k − 1 folds, and then compute the error rate on the test set. Then we repeat with another fold as the test set, again training on the other k − 1 folds. We do this sampling process k times and average the test set error rate from these k runs to get an average error rate. If we choose k = 10, we would train 10 different models (each on 90% of our data), test the model 10 times, and average these 10 values. This is called 10-fold cross-validation.
answer: k disjoints subsets