#01Nov 12, 2026
stat.ML
Quantifying structural stability of transparent models for general insurance pricing
Félix Côté, Marie-Pier Côté
The short duration of general insurance contracts leads to rapid distributional shifts in the data, warranting regular model updates. This process may yield a post-update model that differs considerably from the pre-update model in both predictions and structure. Structural stability is upstream of predictive stability, yet existing structural stability metrics are mostly restricted to simple decision trees. Thus, we first introduce the notion of functional transparency, characterising models with a prediction function that can be expressed as a sum of univariate functions for main effects and bivariate functions for pairwise interactions. Then, we propose the Mean Squared Shape function distance, a metric to quantify the structural stability of functionally transparent models, which are particularly relevant in actuarial science. Using three public auto insurance datasets, we present a benchmark study to demonstrate the usefulness of our metric in identifying a stable and accurate transparent model. Generalised linear models with centred numerical covariates are stable, and explainable boosting machines (EBMs) offer a compromise between stability and performance. We also find that stabilisation strategies, such as sequential modelling and fixed hyperparameters, can substantially improve stability for both EBM and XGBoost models, with negligible impact on performance.
#02Nov 12, 2026
cs.CV
Unbundling Multimodal Vision Encoding
Ellis Brown, Chris Hoang, Shengyi Qian and 9 more
How multimodal language models should encode visual input remains up for debate. Most models use a pretrained vision encoder, while some recent recipes train the encoder from scratch with the language model or remove it entirely. Vision encoders bundle together three design choices: a visual prior from upstream pretraining, dedicated vision capacity, and pre-fusion placement of that capacity (i.e., before the multimodal backbone). Because published models also differ in data, architecture, and compute, comparing them cannot isolate the effect of each choice. We disentangle these choices via a controlled framework where we pretrain all models from scratch on common data and compare them on visual question answering and language benchmarks at matched lifetime compute. We find that the visual prior is not necessary; an encoder trained jointly from scratch is on par with a pretrained one, without a separate training stage. What matters instead is dedicated vision capacity: an encoder-free model trails on visual understanding even when its backbone is enlarged by the encoder's parameter count. Yet that capacity need not precede multimodal fusion, as vision-only modules added in-fusion to early backbone layers perform comparably to a pre-fusion encoder and can lower time to first token. These results also hold across backbone sizes, when encoder pretraining is treated as free, and when starting from a pretrained language model. Overall, our findings favor dedicated vision capacity trained jointly with the backbone and placed early within it.
#03Nov 12, 2026
cs.CV
Back to Pixels: Lifting Latent Video Diffusion into Pixel Space
Yanke Song, Shuo Chen, Chris Rockwell and 9 more
Frontier video generation models work in a VAE latent space that compresses video in both space and time. This compression made training tractable, but now limits high-resolution, controllable, and interactive generation -- doubling resolution quadruples token count, conditions apply to groups of frames rather than individual ones, and each response must wait for the rest of its multi-frame block. We present PixVid, a simple yet effective method that lifts a pretrained latent video model to directly generate every frame in pixel space. PixVid keeps the diffusion transformer and replaces the VAE decoder with a convolutional head that renders its outputs into pixels. We find that predicting clean video rather than velocity, together with a larger noise shift, is key to quality. Finetuned from Wan2.1-14B, PixVid is competitive with the latent baseline within $\sim 1.3$M training clips. Working framewise in pixels, it generates at $2\times$ higher resolution with the same per-frame token count, keeps depth-conditioned video editing aligned under fast motion, and responds to each action at the next frame. Project page: https://chenshuo20.github.io/PixVid/
#04Nov 12, 2026
cs.CV
Objects as Addresses: Instance Binding in Vision Transformer Attention
Khalil Sabri, Guillaume-Alexandre Bilodeau, Nicolas Saunier and 1 more
Humans naturally parse visual scenes into coherent individual objects rather than scattered features, a capability cognitive science calls object binding. While recent work shows that pretrained Vision Transformers (ViTs) intrinsically acquire this ability, how native self-attention computations mechanistically keep object instances separate remains unresolved. By studying this across eight pretrained ViTs, we found that instance separation is expressed more strongly in attention routing than in token content: selected query-key relations distinguish individual objects more reliably than value similarity or residual representations. Inside heads, patches belonging to one individual tend to read from a common image region, which we term their attention address. Visually distinct parts of one person share an address, whereas identical duplicated instances receive separate, movable addresses. These shared destinations arise in part because query interactions with the spatial structure of keys direct attention toward consistent regions for one object and elsewhere for another. In DINOv2 and most other backbones we tested, editing this query component at the selected head redirects its attention address toward another individual. Grouping patches by this query component separates same-category instances, reaching .615 FG-ARI versus .289 for the same clustering of final-layer features, which tend to merge them.
#05Nov 12, 2026
cs.AI
Classical Energies Learn to Reason 1,000x Faster than Looped Models
Benjamin Hoover, Hugh Blayney, James C. R. Whittington
Looped models have emerged as a prominent paradigm for reasoning, with successes on simple reasoning puzzles such as Sudoku-Extreme and Maze-Unique. However, these models can be unstable, slow to train, and use many parameters and FLOPs to solve simple puzzles. Descent on an energy not only mitigates these issues but also offers advantages: built-in early stopping, compute that adapts to problem difficulty, fast training without differentiating through a solver, and interpretable weights that learn the constraints of the puzzle. Here we demonstrate this with a learned version of Hopfield & Tank's energy from the 80s, which we term CRAM, solves 99.996% of Sudoku-Extreme and 100% of Maze-Unique test puzzles after 42 ms and 132 ms of training on one GPU, at least 1,000x faster than looped models on these tasks. CRAM also matches baseline looped models at their highest accuracy on Sudoku-Extreme using at least 282x fewer inference FLOPs. Our work suggests two things. First, that energies are an extremely promising direction for training reasoning from data. Second, a caution against using trivially solvable benchmarks like Sudoku and Maze to test the scalability of looped reasoning techniques.