Recovery debt
The gap between training stress and recovery the body has been given.
Recovery debt shows up when HRV trends down, resting heart rate trends up, and sleep quality slips, but training load held steady. The body is being asked to absorb stress it isn't getting the time to absorb.
Overtraining is a clinical state that takes weeks to dig out of, while recovery debt reverses with a handful of easier sessions and two solid nights of sleep, so it is cheap to fix when it is caught early.