#01Nov 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.
#02Nov 12, 2026
cs.LG
Maximizing Capacity Utilization of LoRA Adapters for Mitigating the Learning-Forgetting Trade-off
Tomohiro Sawada, Kartik Goyal
Low-Rank Adaptation (LoRA) often underperforms full fine-tuning, especially in heterogeneous and continual-learning settings in which substantial forgetting occurs. In general, it suffers from an undesirable learning-forgetting trade-off across diverse fine-tuning settings. We identify a potential contributor: LoRA adapters, especially high-rank ones, frequently fail to realize the available capacity afforded by the configured rank. Specifically, we find that standard LoRA updates have effective rank far below their configured rank, limiting how broadly the update energy is distributed. Therefore, we propose training mechanisms that optimize the original objective while maximizing adapter effective rank. Our main method adds a simple, stable, differentiable, and SVD-free Rényi-2 effective-rank regularizer to the language-modeling loss. We also connect capacity maximization to norm-bounded updates. In mixed-domain rank sweeps on three models evaluated with multiple random seeds, a penalty weight of $λ=0.01$ lowers mean Wiki perplexity at every tested rank of at least $16$ relative to unpenalized LoRA. Mean training perplexity improves or increases by at most $0.02$ in all but one model-rank comparison. Single-task and scheduling experiments further show that the balance between learning and retention depends on the configuration. We also observe that several LoRA variants in the literature also suffer from the identified capacity issue, and our approach provides a complementary axis of improvement to LoRA-based parameter-efficient fine-tuning. These results suggest that effective rank is not only a post-hoc diagnostic of adapter quality, but a trainable objective for improving the learning-forgetting frontier. Our code is available at https://github.com/tomohiro-sawada/lora-capacity-utilization
#03Nov 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.
#04Nov 12, 2026
cs.LG
Linking Rapid Learning to Compositional Structure in Neural Networks: Evidence from Additive Analogies in Meta-Learned Parameter Spaces
Abigail L. Tenenbaum, R. Thomas McCoy
Humans can learn rapidly from limited experience, while neural networks typically require extensive training. In this work, we investigate what properties of a neural network can enable it to learn rapidly. We study neural networks that have been optimized via meta-learning, a technique that exposes a network to many related functions to facilitate its subsequent learning of similar functions. Prior work has shown that these meta-learned networks can learn new functions rapidly, but how they do so remains unclear. To investigate their internal structure, we take inspiration from classic work demonstrating additive relationships among the learned vectors that neural networks use to represent words (e.g., "king" minus "man" plus "woman" approximates "queen"). Analogously, we look for additive relationships among a meta-learned network's "representations" of different functions; when a meta-learned network rapidly learns to implement a specific function, all of its adapted parameter values can be concatenated into a single vector that we treat as representing the function. We find that such parameter vectors can be added and subtracted according to symbolic relationships among the functions they represent, yielding new parameter vectors that successfully represent the functions predicted by the corresponding symbolic manipulations: the networks specified by these artificially recombined vectors actually implement the intended functions without any direct training on them. Our results suggest that meta-learning can tune a network's starting point to organize subsequent learning along systematic, functionally meaningful trajectories through the space of possible parameter vectors, providing a geometric basis for realizing inductive biases in neural networks.
#05Nov 12, 2026
cs.LG
Enhancing Preference Detection using Eye Movement Cascade and Multilayer Combinatorial Fusion
Yuanhong Wu, Mary Tsaryk, Sam Watson and 3 more
Understanding how visual attention influences human preference formation is a fundamental problem in consumer behavior and cognitive science. In this work, we investigate how eye movement patterns can be used to predict preference decisions when subjects compare two alternatives. To address this problem, we analyze an eye-tracking dataset, where subjects view pairs of face images and their gaze behavior is recorded throughout the decision process. We model this problem using multiple machine learning classifiers and apply the Multi-layer Combinatorial Fusion (MCF) framework to iteratively combine diverse models. The MCF framework expands models to a large pool of model fusions and then reduces them based on cognitive diversity, repeating this process across layers until diversity diminishes. Experimental results show that MCF significantly improves performance over individual models. The best single model achieves a Pre@k of 0.90, which is improved to 0.9143 after the first layer of MCF, and further increased to 0.9286 in the second layer. This progression demonstrates that the second layer not only surpasses the performance of the first layer but also outperforms the best individual model, highlighting the effectiveness of leveraging diversity through multi-layer fusion.