Bill is a clinician who feels that when it comes to evaluating and interpreting data about a patient, there is no substitute for the clinician's personal experience and judgment. Bill is most likely endorsing the actuarial approach to prediction.

Actuarial Approach

A method used in various fields like insurance and finance, employing statistical models to predict future outcomes based on historical data.

Clinician's Experience

The knowledge, skill, and judgment that healthcare providers acquire through their professional practice.

Personal Experience

An individual's direct encounter or involvement in events, accumulating a unique knowledge and perspective.