Geographic context is often consider relevant to motor insurance risk, yet public actuarial datasets provide limited location identifiers, constraining how this information can be incorporated and evaluated in claim-frequency models. This study examines how geographic information from alternative data sources can be incorporated into actuarial models for Motor Third Party Liability (MTPL) claim prediction under such constraints. Using the BeMTPL97 dataset, we adopt a zone-level modeling framework and evaluate predictive performance on unseen postcodes. Geographic information is introduced through two channels: environmental indicators from OpenStreetMap and CORINE Land Cover, and orthoimagery released by the Belgian National Geographic Institute for academic use. We evaluate the predictive contribution of coordinates, environmental features, and image embeddings across three baseline models: generalized linear models (GLMs), regularized GLMs, and gradient-boosted trees, while raw imagery is modeled using convolutional neural networks. Our results show that augmenting actuarial variables with constructed geographic information improves accuracy. Across experiments, both linear and tree-based models benefit most from combining coordinates with environmental features extracted at 5 km scale, while smaller neighborhoods also improve baseline specifications. Generally, image embeddings do not improve performance when environmental features are available; however, when such features are absent, pretrained vision-transformer embeddings enhance accuracy and stability for regularized GLMs. Our results show that the predictive value of geographic information in zone-level MTPL frequency models depends less on model complexity than on how geography is represented, and illustrate that geographic context can be incorporated despite limited individual-level spatial information.

In this week's episode of, we talk about Tim Cook's legacy as CEO at Apple and what his long-rumored departure means for the future of one of the world's biggest companies. They also go into the reasoning behind SpaceX and Cursor's surprising deal, and why Palantir's self-published manifesto drew a lot of heat online. Also, we discuss why some conspiracy theorists are leaving Trump's side, and how a scammer created an AI-generated woman to attract and grift MAGA men. Tim Cook's Legacy Is Turning Apple Into a Subscription This Scammer Used an AI-Generated MAGA Girl to Grift'Super Dumb' Men Write to us at [email protected] . You can always listen to this week's podcast through the audio player on this page, but if you want to subscribe for free to get every episode, here's how: If you're on an iPhone or iPad, open the app called Podcasts, or just tap this link . Zoë, Leah, and I have really enjoyed being your new hosts these past few weeks, and we want to hear from you. If you like the show and have a minute, please leave us a review in the podcast or app of your choice. It really helps us reach more people, and for any questions and comments, you can always reach us at [email protected] . I missed you so much. And I missed you the exact same amount. I'm going to go away more often. Absence makes the heart go fonder, as we all know, and I'm thrilled to be here. This week on the show, we're saying goodbye to Apple CEO, Tim Cook, who announced that he is stepping down from the top gig at the company. And, more than just talking about his legacy at Apple, we'll be looking into what this long-awaited shift actually means for the future of one of the world's biggest companies. We'll also get into why SpaceX and Cursor's potential $60 billion deal announced this week is pretty staggering, and we'll get into Palantir's controversial 22-point manifesto. I feel like manifesto's inherently controversial, otherwise they'd be memos that they posted on X this week.

What Will It Take to Get A.I. Out of Schools? The tech world assumes that A.I.-aided education is necessary and inevitable. A growing number of parents, educators, and cognitive scientists say the opposite. I don't like A.I., and I am raising my children not to like it. I've been telling them for years now that chatbots are manipulative and dangerous, that A.I.-image generators are loosening our collective grip on reality, that large language models are built atop industrial-scale intellectual-property theft. At times, I find myself speaking with my kids about A.I. in the same terms that we might discuss a creepy neighbor who lives down the block: avoid eye contact, cross the street when you walk past his house, and, when in doubt, call on a trusted adult. Yes, I, too, have suspected that the creepy neighbor walks on cloven hooves inside his Yeezy Boosts, but he probably isn't going anywhere--in fact, he keeps buying up properties around town--so just try your best not to engage. Somehow, I was not prepared for the creepy neighbor to start hanging around my kids' schools; somehow, I thought we had until high school.

Hey Meta workers, are you getting paid for those keystrokes? It's a very simple question that your bosses aren't inclined to answer. No longer content to subsume recognizable intellectual properties, the majority of the i ndexed internet and books ( basically all of them), AI will apparently now begin devouring its own workforce. A report in alleged that the keystrokes, mouse movements and clicks of Meta's workforce are to be captured for the purposes of training AI -- something the company's communications department was happy to confirmed as accurate! In a cheery missive, a company spokesperson told Engadget that If we're building agents to help people complete everyday tasks using computers, our models need real examples of how people use them [...] we're launching an internal tool that will capture these kinds of inputs on certain applications to help us train our models.

McDonald's boss on abuse claims: 'I don't want to talk about the past' The boss of McDonald's UK and Ireland has said she doesn't want to talk about the past when asked about allegations of abuse at the fast-food chain. Lauren Schultz told the BBC what had happened in recent years was unacceptable but said we have drawn a line under it. A BBC investigation in 2023 heard from more than 100 McDonald's workers in the UK claiming they faced a toxic culture of sexual assault, harassment, racism, and bullying. Last year, staff said they still faced sexual abuse and harassment. The UK equality watchdog agreed tougher measures with the company to protect staff in November, including new sexual harassment training.

What Gilgo Beach killer's wife REALLY knew: Prosecutor reveals chilling truth about life with monster husband... and the'interests' she couldn't ignore Texas bride airlifted back to US on emergency flight after suffering'life-threatening' illness on honeymoon in Japan I thought I'd quit my addiction to'tweakments' and Botox forever. Then, feeling particularly confident at a Dubai lunch, I asked a stranger to guess my age... The lie my husband told to stop me divorcing him is beyond unforgivable. Every woman must beware... otherwise you might never realize: DEAR JANE Elizabeth Smart stuns fans with new incredible bodybuilding photos: 'I refuse to be ashamed' Dark secrets Days of Our Lives star Patrick Muldoon took to his grave: He'tried to hide' truth for decades... now friends are all whispering the same thing after his shock death New'Hollywood dose' pill: A-listers hooked on'youth elixir' that dermatologists say is anti-aging, shrinks pores, smooths wrinkles... and even banishes rosacea Katie Holmes likes telling comment about ex Joshua Jackson who shot to fame with her on Dawson's Creek Trump threatens to'blow up the rest of' Iran and'its leaders' with new Strait of Hormuz ultimatum'Paranoid' Tiger Woods and Vanessa Trump make major shakeup in the wake of golf legend's DUI scandal Death row inmate Chadwick Willacy who burned Florida mom alive during burglary is executed in front of victim's son What has Adam Levine done to his face? Meta's Big Brother move: Mark Zuckerberg's firm starts tracking employees' mouse clicks and taking screenshots of their screens - as one worker calls it'very dystopian' Meta has revealed plans to start tracking its employees' keystrokes and mouse clicks.

In the past, voice assistants like Siri or the one in your satnav used so-called'synthetic voices'. These require voice actors to spend hours in the recording studio, meticulously sampling all the different words and phrases that the assistant might need. Voice clones, on the other hand, have revolutionised how synthetic voices are created, by using AI to digitally recreate someone's speech patterns. These clones can be created with as little as a few seconds of recorded audio, even using clips from social media or snippets of conversation as the raw material. This has sparked concerns that criminals using AI could easily impersonate friends, family, or co-workers to manipulate their targets . According to the National Trading Standards, criminals are already using AI to clone people's voices and set up unauthorised direct debits over the phone. In the study, the researchers created voice clones of human participants using just 120 pre-recorded sentences. Participants listened to 80 unique sentences - 40 spoken by a real person and 40 spoken by an AI voice clone. The researchers compared human (top) AI-generated (bottom) voice recordings to see why this might be the case, but couldn't find any clear explanation Can you tell which voices are AI?

The elite Wall Street law firm Sullivan & Cromwell has told a court that a major filing it made in a high-profile case contained errors resulting from hallucinations generated by artificial intelligence. Andrew Dietderich, the co-head of the firm's global restructuring group, apologised in a letter to the New York federal judge Martin Glenn on Saturday for the string of mistakes, which included inaccurate citations. The errors, uncovered by the law firm Boies Schiller Flexner (BSF), which was also working on the case, included misquoting the US bankruptcy code and citing cases incorrectly in a filing made on 9 April. In multiple instances, S&C, which employs more than 900 lawyers and has one of the top reputations for corporate work in the US, filed inaccurately summarised conclusions made in other cases using AI. "We deeply regret that this has occurred," said Dietderich in the letter.

One-person company SoloNest sounder Karen Dai preparing for a coffee chat at a conference room in Shanghai on April 12. | AFP-JIJI Shanghai - Young Chinese, many who fear age discrimination in their workplace after turning 35, are increasingly starting one-person companies that have artificial intelligence do most of the work. Smaller startups are already in vogue in Silicon Valley and elsewhere, with rapidly advancing AI tools seen as a welcome teammate even as they threaten layoffs at existing firms. More young people in China are subscribing to the model, as cities pledge millions of dollars in funding and rent subsidies for such ventures, in alignment with Beijing's political goal of technological self-reliance. In a time of both misinformation and too much information, quality journalism is more crucial than ever. By subscribing, you can help us get the story right.

Things to Do in L.A. Tap to enable a layout that focuses on the article. A drone delivered her lethal dose of fentanyl in a church parking lot. The Drug Enforcement Administration was among agencies involved in the investigation. This is read by an automated voice. Please report any issues or inconsistencies here .