How glassy are neural networks?

In this paper we continue our investigation on the high storage regime of a neural network with Gaussian patterns. Through an exact mapping between its partition function and one of a bipartite spin glass (whose parties consist of Ising and Gaussian spins respectively), we give a complete control of the whole annealed region. The strategy explored is based on an interpolation between the bipartite system and two independent spin glasses built respectively by dichotomic and Gaussian spins: Critical line, behavior of the principal thermodynamic observables and their fluctuations as well as overlap fluctuations are obtained and discussed. Then, we move further, extending such an equivalence beyond the critical line, to explore the broken ergodicity phase under the assumption of replica symmetry and we show that the quenched free energy of this (analogical) Hopfield model can be described as a linear combination of the two quenched spin-glass free energies even in the replica symmetric framework

Credit bureaus between risk-management, creditworthiness assessment and prudential supervision

"This text may be downloaded for personal research purposes only. Any additional reproduction for other purposes, whether in hard copy or electronically, requires the consent of the author. If cited or quoted, reference should be made to the full name of the author, the title, the working paper or other series, the year, and the publisher."This paper discusses the role and operations of consumer Credit Bureaus in the European Union in the context of the economic theories, policies and law within which they work. Across Europe there is no common practice of sharing the credit data of consumers which can be used for several purposes. Mostly, they are used by the lending industry as a practice of creditworthiness assessment or as a risk-management tool to underwrite borrowing decisions or price risk. However, the type, breath, and depth of information differ greatly from country to country. In some Member States, consumer data are part of a broader information centralisation system for the prudential supervision of banks and the financial system as a whole. Despite EU rules on credit to consumers for the creation of the internal market, the underlying consumer data infrastructure remains fragmented at national level, failing to achieve univocal, common, or defined policy objectives under a harmonised legal framework. Likewise, the establishment of the Banking Union and the prudential supervision of the Euro area demand standardisation and convergence of the data used to measure debt levels, arrears, and delinquencies. The many functions and usages of credit data suggest that the policy goals to be achieved should inform the legal and institutional framework of Credit Bureaus, as well as the design and use of the databases. This is also because fundamental rights and consumer protection concerns arise from the sharing of credit data and their expanding use

An architecture for the autonomic curation of crowdsourced knowledge

Human knowledge curators are intrinsically better than their digital counterparts at providing relevant answers to queries. That is mainly due to the fact that an experienced biological brain will account for relevant community expertise as well as exploit the underlying connections between knowledge pieces when offering suggestions pertinent to a specific question, whereas most automated database managers will not. We address this problem by proposing an architecture for the autonomic curation of crowdsourced knowledge, that is underpinned by semantic technologies. The architecture is instantiated in the career data domain, thus yielding Aviator, a collaborative platform capable of producing complete, intuitive and relevant answers to career related queries, in a time effective manner. In addition to providing numeric and use case based evidence to support these research claims, this extended work also contains a detailed architectural analysis of Aviator to outline its suitability for automatically curating knowledge to a high standard of quality

Czasowa i przestrzenna zmienność biochemicznego składu materii organicznej i liczby bakterii w osadach wybranych plaż południowego Morza Bałtyckiego

Sandy sediments coming from three beaches of the southern Baltic Sea were collected and analyzed. Investigated beaches were divided according to strength of anthropogenic impact and degree of sheltering. The first beach was situated in Ustka on the eastern side of the mouth of the Słupia River, second in Czołpino and the last one in Puck. Core sediment samples were collected seasonally, depending on the influence of the sea water on the examined sediments. At each station, surface sediments (0-5 cm) were collected as well as sediments at the depth of 10-15 cm. The general content of organic matter, proteins, lipids, carbohydrates, organic carbon and total bacterial number were determined. The results of the conducted tests reveal, that anthropopressure, degree of sheltering, the depth where the collected sediments were taken and the direct influence of the sea water on the sediments have impact on the chemical composition of organic matter and bacterial number in beach sediments.Pobierano i analizowano piaszczyste osady pochodzące z trzech plaż południowego Bałtyku, które zostały podzielone na podstawie wpływu antropopresji i stopnia osłonięcia plaży. Pierwsza plaża położona była w Ustce we wschodniej części ujścia rzeki Słupi, druga w Czołpinie, a ostatnia w Pucku. Próbki osadów plażowych zbierano sezonowo, w zależności od wpływu wody morskiej na badane osady. Na każdym stanowisku pobierano osady powierzchniowe (0-5 cm), a także osady na głębokości 10-15 cm. Określono zawartość materii organicznej, białek, lipidów, węglowodanów, węgla organicznego i całkowitej liczby bakterii. Wyniki przeprowadzonych badań wykazały, że antropopresja, stopień osłonięcia plaży, głębokość pobieranych osadów i bezpośredni wpływ wody morskiej na osady oddziałują na skład chemiczny materii organicznej i liczbę bakterii w osadach plażowych