#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.LG
Negative-Only Policy Optimization for One-Sided Verifiable Rewards
Jiacheng Xu, Shuo He, Fuxiang Zhang and 2 more
Reinforcement learning with verifiable rewards (RLVR) typically relies on a verifier that can reliably judge whether sampled solutions are correct. However, in many realistic settings, complete verification is generally unavailable, while cheap checks can only falsify failures. We formalize this regime as one-sided verifiability (OSV): verified negatives are reliable counterexamples, but verified positives are merely non-falsified candidates and may contain many false positives. This asymmetry makes standard RLVR unreliable, because reinforcing verified positives can directly reward shortcuts that pass partial checks. To address this issue, we propose Negative-Only Policy Optimization (NOPO), which treats verified positives as unlabeled and updates the policy only by suppressing trusted verified negatives. Specifically, NOPO combines a reference-relative negative suppression loss with a group-level adapter that scales each update by the proportion of non-falsified responses. Across unit-test, constraint-check, and LLM self-verifiers, NOPO improves pass@k over baselines on code, logic, and math benchmarks when oracle rewards are unavailable. These gains persist under inference-time scaling and cross-benchmark transfer.
#03Nov 12, 2026
eess.IV
Data Archive for 2D and 3D Electrical Impedance Tomography with moderate conductivity contrast phantoms
S. J. Hamilton, A. Hauptmann, A. Hänninen and 4 more
This document describes open Electrical Impedance Tomography (EIT) measurement data that were collected from biomedical imaging inspired phantoms with moderate conductivity contrasts. The data were collected with the KIT4 and KIT5 EIT measurement devices at the University of Eastern Finland, and are intended for EIT image reconstruction algorithm development and testing. The data from thoracic imaging inspired cylindrical and chest-shaped phantoms are suitable for 2D algorithms, and the data from an intracerebral hemorrhage imaging inspired head-shaped phantom with resistive skull are suitable for 3D algorithms. In addition to the measurement data, computational meshes and example reconstruction codes are provided and sample reconstructions included.
#04Nov 12, 2026
cs.LG
A Convex-Analytic Reformulation for Poisoning Attacks on Logistic Regression
Carina Moreira Costa, Maria Eduarda Pinheiro, Martin Schmidt
We study data poisoning attacks on logistic regression with $\ell_2$-regularization, where an attacker chooses the features of a fixed number of injected observations with prescribed labels to maximize the logistic loss on the clean training data. Strong convexity of the defender's problem yields an exact reformulation through its first-order optimality conditions. Using convex conjugacy of the softplus function, we replace the sigmoid relations by a single convex optimality-gap inequality and express the attacker's objective as a concave function. A change of variables makes the stationarity condition affine, leaving bounded bilinear equalities as the only nonconvex constraints. We derive finite bounds on all variables involved in these equalities, including a global bound on the coefficient norm and tighter bounds obtained by preprocessing based on convex optimization. Experiments on eight binary classification datasets evaluate attack effectiveness and compare the two reformulations when solved with \textsf{SCIP}. Attacks obtained by local optimization degrade predictive performance on most datasets, while the convex-analytic formulation produces substantially stronger reported dual bounds within a fixed time limit.
#05Nov 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