Knowing which factors are significant in credit rating assignment leads to better decision-making. However, the focus of the literature thus far has been mostly on structured data, and fewer studies have addressed unstructured or multi-modal datasets. In this paper, we present an analysis of the most effective architectures for the fusion of deep learning models for the prediction of company credit rating classes, by using structured and unstructured datasets of different types. In these models, we tested different combinations of fusion strategies with different deep learning models, including CNN, LSTM, GRU, and BERT. We studied data fusion strategies in terms of level (including early and intermediate fusion) and techniques (including concatenation and cross-attention). Our results show that a CNN-based multi-modal model with two fusion strategies outperformed other multi-modal techniques. In addition, by comparing simple architectures with more complex ones, we found that more sophisticated deep learning models do not necessarily produce the highest performance; however, if attention-based models are producing the best results, cross-attention is necessary as a fusion strategy. Finally, our comparison of rating agencies on short-, medium-, and long-term performance shows that Moody's credit ratings outperform those of other agencies like Standard & Poor's and Fitch Ratings.

The process of generating data such as images is controlled by independent and unknown factors of variation. The retrieval of these variables has been studied extensively in the disentanglement, causal representation learning, and independent component analysis fields. Recently, approaches merging these domains together have shown great success. Instead of directly representing the factors of variation, the problem of disentanglement can be seen as finding the interventions on one image that yield a change to a single factor. Following this assumption, we introduce a new method for disentanglement inspired by causal dynamics that combines causality theory with vector-quantized variational autoencoders. Our model considers the quantized vectors as causal variables and links them in a causal graph. It performs causal interventions on the graph and generates atomic transitions affecting a unique factor of variation in the image. We also introduce a new task of action retrieval that consists of finding the action responsible for the transition between two images. We test our method on standard synthetic and real-world disentanglement datasets. We show that it can effectively disentangle the factors of variation and perform precise interventions on high-level semantic attributes of an image without affecting its quality, even with imbalanced data distributions.

Large language models (LLMs) provide a new way to build chatbots by accepting natural language prompts. Yet, it is unclear how to design prompts to power chatbots to carry on naturalistic conversations while pursuing a given goal, such as collecting self-report data from users. We explore what design factors of prompts can help steer chatbots to talk naturally and collect data reliably. To this aim, we formulated four prompt designs with different structures and personas. Through an online study (N = 48) where participants conversed with chatbots driven by different designs of prompts, we assessed how prompt designs and conversation topics affected the conversation flows and users' perceptions of chatbots. Our chatbots covered 79% of the desired information slots during conversations, and the designs of prompts and topics significantly influenced the conversation flows and the data collection performance. We discuss the opportunities and challenges of building chatbots with LLMs.

Microsoft's next huge Windows 11 feature update, code-named Windows 11 23H2, has a big addition: AI. Microsoft is readying for the era of the AI PC with the addition of Windows Copilot, powered by Bing Chat. And it will debut on Sept. 26. It's the closest thing to a theme that we've seen within a Windows 11 update in some time. AI will power Windows Copilot, of course, but also recommended files in File Explorer and Start as well as a designated AI-specific section within the Microsoft Store app.

New Scientist Live, the world's greatest festival of ideas and discovery, is returning to ExCeL London from Saturday 7 until Sunday 8 October, with a dedicated Schools' Day on Monday 9 October. There is a stunning line-up of more than 50 speakers, five stages and a wide array of exhibitors and experiences. Whether you are interested in deep oceans, distant galaxies, mental health, technology or ancient humans, there will be something to entertain and educate you, but here is what seven members of the New Scientist editorial staff are most looking forward to seeing there. Alison Flood Comment & Culture Editor This is my first time at New Scientist Live and there's so much to choose from, but I'll definitely be at Claudia Hammond's talk on the science of kindness, in the hope of picking up some tips. My kids will be coming along too and are very excited about seeing Maddie Moate in the flesh – Maddie's Do You Know? has been a staple in our house for years.

Post-hoc explainability methods aim to clarify predictions of black-box machine learning models. However, it is still largely unclear how well users comprehend the provided explanations and whether these increase the users ability to predict the model behavior. We approach this question by conducting a user study to evaluate comprehensibility and predictability in two widely used tools: LIME and SHAP. Moreover, we investigate the effect of counterfactual explanations and misclassifications on users ability to understand and predict the model behavior. We find that the comprehensibility of SHAP is significantly reduced when explanations are provided for samples near a model's decision boundary. Furthermore, we find that counterfactual explanations and misclassifications can significantly increase the users understanding of how a machine learning model is making decisions. Based on our findings, we also derive design recommendations for future post-hoc explainability methods with increased comprehensibility and predictability.

Instructional texts for specific target groups should ideally take into account the prior knowledge and needs of the readers in order to guide them efficiently to their desired goals. However, targeting specific groups also carries the risk of reflecting disparate social norms and subtle stereotypes. In this paper, we investigate the extent to which how-to guides from one particular platform, wikiHow, differ in practice depending on the intended audience. We conduct two case studies in which we examine qualitative features of texts written for specific audiences. In a generalization study, we investigate which differences can also be systematically demonstrated using computational methods. The results of our studies show that guides from wikiHow, like other text genres, are subject to subtle biases. We aim to raise awareness of these inequalities as a first step to addressing them in future work.

Large Language Models (LLMs) have demonstrated impressive zero shot performance on a wide range of NLP tasks, demonstrating the ability to reason and apply commonsense. A relevant application is to use them for creating high quality synthetic datasets for downstream tasks. In this work, we probe whether GPT-4 can be used to augment existing extractive reading comprehension datasets. Automating data annotation processes has the potential to save large amounts of time, money and effort that goes into manually labelling datasets. In this paper, we evaluate the performance of GPT-4 as a replacement for human annotators for low resource reading comprehension tasks, by comparing performance after fine tuning, and the cost associated with annotation. This work serves to be the first analysis of LLMs as synthetic data augmenters for QA systems, highlighting the unique opportunities and challenges. Additionally, we release augmented versions of low resource datasets, that will allow the research community to create further benchmarks for evaluation of generated datasets.

Interpersonal conflict is an uncomfortable but unavoidable fact of life. Navigating conflict successfully is a skill -- one that can be learned through deliberate practice -- but few have access to effective training or feedback. To expand this access, we introduce Rehearsal, a system that allows users to rehearse conflicts with a believable simulated interlocutor, explore counterfactual "what if?" scenarios to identify alternative conversational paths, and learn through feedback on how and when to apply specific conflict strategies. Users can utilize Rehearsal to practice handling a variety of predefined conflict scenarios, from office disputes to relationship issues, or they can choose to create their own. To enable Rehearsal, we develop IRP prompting, a method of conditioning output of a large language model on the influential Interest-Rights-Power (IRP) theory from conflict resolution. Rehearsal uses IRP to generate utterances grounded in conflict resolution theory, guiding users towards counterfactual conflict resolution strategies that help de-escalate difficult conversations. In a between-subjects evaluation, 40 participants engaged in an actual conflict with a confederate after training. Compared to a control group with lecture material covering the same IRP theory, participants with simulated training from Rehearsal significantly improved their performance in the unaided conflict: they reduced their use of escalating competitive strategies by an average of 67%, while doubling their use of cooperative strategies. Overall, Rehearsal highlights the potential effectiveness of language models as tools for learning and practicing interpersonal skills.

Generating multi-instrument music from symbolic music representations is an important task in Music Information Retrieval (MIR). A central but still largely unsolved problem in this context is musically and acoustically informed control in the generation process. As the main contribution of this work, we propose enhancing control of multi-instrument synthesis by conditioning a generative model on a specific performance and recording environment, thus allowing for better guidance of timbre and style. Building on state-of-the-art diffusion-based music generative models, we introduce performance conditioning - a simple tool indicating the generative model to synthesize music with style and timbre of specific instruments taken from specific performances. Our prototype is evaluated using uncurated performances with diverse instrumentation and achieves state-of-the-art FAD realism scores while allowing novel timbre and style control. Our project page, including samples and demonstrations, is available at benadar293.github.io/midipm