The statistical modeling of insurance claims is a crucial task of the property and casualty insurance industry. An essential ingredient in this modeling process is the two-stage approach, encompassing a frequency model and a severity model. At the first stage, a frequency model predicts the number of claims, while, at the second stage, a severity model predicts the average financial impact or size of a claim, given that it has occurred. Together, these two models map relevant predictors such as the policyholder's age, geographical location, and claim history, to the response variables describing the frequency and severity of the claims. This classic approach, known as the frequency-severity model, has been instrumental in the process of risk categorization, premium calculation, and, in a broader context, risk quantification of business portfolios for specific industry segments [1, 2].

Machine learning methods have significantly improved in their predictive capabilities, but at the same time they are becoming more complex and less transparent. As a result, explainers are often relied on to provide interpretability to these black-box prediction models. As crucial diagnostics tools, it is important that these explainers themselves are robust. In this paper we focus on one particular aspect of robustness, namely that an explainer should give similar explanations for similar data inputs. We formalize this notion by introducing and defining explainer astuteness, analogous to astuteness of prediction functions. Our formalism allows us to connect explainer robustness to the predictor's probabilistic Lipschitzness, which captures the probability of local smoothness of a function. We provide lower bound guarantees on the astuteness of a variety of explainers (e.g., SHAP, RISE, CXPlain) given the Lipschitzness of the prediction function. These theoretical results imply that locally smooth prediction functions lend themselves to locally robust explanations. We evaluate these results empirically on simulated as well as real datasets.

That may have been science fiction but scientists say the terrifying prophecy could soon become a reality. That's because new research warns that the Atlantic Ocean current which drives the Gulf Stream could collapse at'any time' from 2025 thanks to climate change. Known formally as the Atlantic Meridional Overturning Circulation (AMOC), the current is the driving force which brings warm water from the Gulf of Mexico up to the UK and is responsible for mild winters in Western Europe. If it collapsed, however, the impact would be devastating. Europe would be plunged into a deep freeze, while most of Africa, the Caribbean, and South American countries such as Colombia, Peru and Bolivia would experience rocketing temperatures.

In latest years, deep learning has gained a leading role in the pansharpening of multiresolution images. Given the lack of ground truth data, most deep learning-based methods carry out supervised training in a reduced-resolution domain. However, models trained on downsized images tend to perform poorly on high-resolution target images. For this reason, several research groups are now turning to unsupervised training in the full-resolution domain, through the definition of appropriate loss functions and training paradigms. In this context, we have recently proposed a full-resolution training framework which can be applied to many existing architectures. Here, we propose a new deep learning-based pansharpening model that fully exploits the potential of this approach and provides cutting-edge performance. Besides architectural improvements with respect to previous work, such as the use of residual attention modules, the proposed model features a novel loss function that jointly promotes the spectral and spatial quality of the pansharpened data. In addition, thanks to a new fine-tuning strategy, it improves inference-time adaptation to target images. Experiments on a large variety of test images, performed in challenging scenarios, demonstrate that the proposed method compares favorably with the state of the art both in terms of numerical results and visual output. Code is available online at https://github.com/matciotola/Lambda-PNN.

In this paper, we introduce a novel open source toolbox for design optimization in Soft Robotics. We consider that design optimization is an important trend in Soft Robotics that is changing the way in which designs will be shared and adopted. We evaluate this toolbox on the example of a cable-driven, sensorized soft finger. For devices like these, that feature both actuation and sensing, the need for multi-objective optimization capabilities naturally arises, because at the very least, a trade-off between these two aspects has to be found. Thus, multi-objective optimization capability is one of the central features of the proposed toolbox. We evaluate the optimization of the soft finger and show that extreme points of the optimization trade-off between sensing and actuation are indeed far apart on actually fabricated devices for the established metrics. Furthermore, we provide an in depth analysis of the sim-to-real behavior of the example, taking into account factors such as the mesh density in the simulation, mechanical parameters and fabrication tolerances.

Explainability for Deep Learning Models is especially important for clinical applications, where decisions of automated systems have far-reaching consequences. While various post-hoc explainable methods, such as attention visualization and saliency maps, already exist for common data modalities, including natural language and images, little work has been done to adapt them to the modality of Flow CytoMetry (FCM) data. In this work, we evaluate the usage of a transformer architecture called ReluFormer that ease attention visualization as well as we propose a gradient- and an attention-based visualization technique tailored for FCM. We qualitatively evaluate the visualization techniques for cell classification and polygon regression on pediatric Acute Lymphoblastic Leukemia (ALL) FCM samples. The results outline the model's decision process and demonstrate how to utilize the proposed techniques to inspect the trained model. The gradient-based visualization not only identifies cells that are most significant for a particular prediction but also indicates the directions in the FCM feature space in which changes have the most impact on the prediction. The attention visualization provides insights on the transformer's decision process when handling FCM data. We show that different attention heads specialize by attending to different biologically meaningful sub-populations in the data, even though the model retrieved solely supervised binary classification signals during training.

Medicine is inherently multimodal, with rich data modalities spanning text, imaging, genomics, and more. Generalist biomedical artificial intelligence (AI) systems that flexibly encode, integrate, and interpret this data at scale can potentially enable impactful applications ranging from scientific discovery to care delivery. To enable the development of these models, we first curate MultiMedBench, a new multimodal biomedical benchmark. MultiMedBench encompasses 14 diverse tasks such as medical question answering, mammography and dermatology image interpretation, radiology report generation and summarization, and genomic variant calling. We then introduce Med-PaLM Multimodal (Med-PaLM M), our proof of concept for a generalist biomedical AI system. Med-PaLM M is a large multimodal generative model that flexibly encodes and interprets biomedical data including clinical language, imaging, and genomics with the same set of model weights. Med-PaLM M reaches performance competitive with or exceeding the state of the art on all MultiMedBench tasks, often surpassing specialist models by a wide margin. We also report examples of zero-shot generalization to novel medical concepts and tasks, positive transfer learning across tasks, and emergent zero-shot medical reasoning. To further probe the capabilities and limitations of Med-PaLM M, we conduct a radiologist evaluation of model-generated (and human) chest X-ray reports and observe encouraging performance across model scales. In a side-by-side ranking on 246 retrospective chest X-rays, clinicians express a pairwise preference for Med-PaLM M reports over those produced by radiologists in up to 40.50% of cases, suggesting potential clinical utility. While considerable work is needed to validate these models in real-world use cases, our results represent a milestone towards the development of generalist biomedical AI systems.

This study is main goal is to provide a comparative comparison of libraries using machine learning methods. Experts in natural language processing (NLP) are becoming more and more interested in sentiment analysis (SA) of text changes. The objective of employing NLP text analysis techniques is to recognize and categorize feelings related to twitter users utterances. In this examination, issues with SA and the libraries utilized are also looked at. provides a number of cooperative methods to classify emotional polarity. The Naive Bayes Classifier, Decision Tree Classifier, Maxent Classifier, Sklearn Classifier, Sklearn Classifier MultinomialNB, and other conjoint learning algorithms, according to recent research, are very effective. In the project will use Five Python and R libraries NLTK, TextBlob, Vader, Transformers (GPT and BERT pretrained), and Tidytext will be used in the study to apply sentiment analysis techniques. Four machine learning models Tree of Decisions (DT), Support Vector Machine (SVM), Naive Bayes (NB), and K-Nearest Neighbor (KNN) will also be used. To evaluate how well libraries for SA operate in the social network environment, comparative study was also carried out. The measures to assess the best algorithms in this experiment, which used a single data set for each method, were precision, recall, and F1 score. We conclude that the BERT transformer method with an Accuracy: 0.973 is recommended for sentiment analysis.

Many swarm robotics tasks consist of multiple conflicting objectives. This research proposes a multi-objective evolutionary neural network approach to developing controllers for swarms of robots. The swarm robot controllers are trained in a low-fidelity Python simulator and then tested in a high-fidelity simulated environment using Webots. Simulations are then conducted to test the scalability of the evolved multi-objective robot controllers to environments with a larger number of robots. The results presented demonstrate that the proposed approach can effectively control each of the robots. The robot swarm exhibits different behaviours as the weighting for each objective is adjusted. The results also confirm that multi-objective neural network controllers evolved in a low-fidelity simulator can be transferred to high-fidelity simulated environments and that the controllers can scale to environments with a larger number of robots without further retraining needed.

Visual question answering (VQA) has been intensively studied as a multimodal task that requires effort in bridging vision and language to infer answers correctly. Recent attempts have developed various attention-based modules for solving VQA tasks. However, the performance of model inference is largely bottlenecked by visual processing for semantics understanding. Most existing detection methods rely on bounding boxes, remaining a serious challenge for VQA models to understand the causal nexus of object semantics in images and correctly infer contextual information. To this end, we propose a finer model framework without bounding boxes in this work, termed Looking Out of Instance Semantics (LOIS) to tackle this important issue. LOIS enables more fine-grained feature descriptions to produce visual facts. Furthermore, to overcome the label ambiguity caused by instance masks, two types of relation attention modules: 1) intra-modality and 2) inter-modality, are devised to infer the correct answers from the different multi-view features. Specifically, we implement a mutual relation attention module to model sophisticated and deeper visual semantic relations between instance objects and background information. In addition, our proposed attention model can further analyze salient image regions by focusing on important word-related questions. Experimental results on four benchmark VQA datasets prove that our proposed method has favorable performance in improving visual reasoning capability.