CVJul 4, 2022Code
Embedding contrastive unsupervised features to cluster in- and out-of-distribution noise in corrupted image datasetsPaul Albert, Eric Arazo, Noel E. O'Connor et al.
Using search engines for web image retrieval is a tempting alternative to manual curation when creating an image dataset, but their main drawback remains the proportion of incorrect (noisy) samples retrieved. These noisy samples have been evidenced by previous works to be a mixture of in-distribution (ID) samples, assigned to the incorrect category but presenting similar visual semantics to other classes in the dataset, and out-of-distribution (OOD) images, which share no semantic correlation with any category from the dataset. The latter are, in practice, the dominant type of noisy images retrieved. To tackle this noise duality, we propose a two stage algorithm starting with a detection step where we use unsupervised contrastive feature learning to represent images in a feature space. We find that the alignment and uniformity principles of contrastive learning allow OOD samples to be linearly separated from ID samples on the unit hypersphere. We then spectrally embed the unsupervised representations using a fixed neighborhood size and apply an outlier sensitive clustering at the class level to detect the clean and OOD clusters as well as ID noisy outliers. We finally train a noise robust neural network that corrects ID noise to the correct category and utilizes OOD samples in a guided contrastive objective, clustering them to improve low-level features. Our algorithm improves the state-of-the-art results on synthetic noise image datasets as well as real-world web-crawled data. Our work is fully reproducible github.com/PaulAlbert31/SNCF.
CVApr 18, 2022Code
Unsupervised domain adaptation and super resolution on drone images for autonomous dry herbage biomass estimationPaul Albert, Mohamed Saadeldin, Badri Narayanan et al.
Herbage mass yield and composition estimation is an important tool for dairy farmers to ensure an adequate supply of high quality herbage for grazing and subsequently milk production. By accurately estimating herbage mass and composition, targeted nitrogen fertiliser application strategies can be deployed to improve localised regions in a herbage field, effectively reducing the negative impacts of over-fertilization on biodiversity and the environment. In this context, deep learning algorithms offer a tempting alternative to the usual means of sward composition estimation, which involves the destructive process of cutting a sample from the herbage field and sorting by hand all plant species in the herbage. The process is labour intensive and time consuming and so not utilised by farmers. Deep learning has been successfully applied in this context on images collected by high-resolution cameras on the ground. Moving the deep learning solution to drone imaging, however, has the potential to further improve the herbage mass yield and composition estimation task by extending the ground-level estimation to the large surfaces occupied by fields/paddocks. Drone images come at the cost of lower resolution views of the fields taken from a high altitude and requires further herbage ground-truth collection from the large surfaces covered by drone images. This paper proposes to transfer knowledge learned on ground-level images to raw drone images in an unsupervised manner. To do so, we use unpaired image style translation to enhance the resolution of drone images by a factor of eight and modify them to appear closer to their ground-level counterparts. We then ... ~\url{www.github.com/PaulAlbert31/Clover_SSL}.
CVOct 10, 2022Code
Is your noise correction noisy? PLS: Robustness to label noise with two stage detectionPaul Albert, Eric Arazo, Tarun Krishna et al.
Designing robust algorithms capable of training accurate neural networks on uncurated datasets from the web has been the subject of much research as it reduces the need for time consuming human labor. The focus of many previous research contributions has been on the detection of different types of label noise; however, this paper proposes to improve the correction accuracy of noisy samples once they have been detected. In many state-of-the-art contributions, a two phase approach is adopted where the noisy samples are detected before guessing a corrected pseudo-label in a semi-supervised fashion. The guessed pseudo-labels are then used in the supervised objective without ensuring that the label guess is likely to be correct. This can lead to confirmation bias, which reduces the noise robustness. Here we propose the pseudo-loss, a simple metric that we find to be strongly correlated with pseudo-label correctness on noisy samples. Using the pseudo-loss, we dynamically down weight under-confident pseudo-labels throughout training to avoid confirmation bias and improve the network accuracy. We additionally propose to use a confidence guided contrastive objective that learns robust representation on an interpolated objective between class bound (supervised) for confidently corrected samples and unsupervised representation for under-confident label corrections. Experiments demonstrate the state-of-the-art performance of our Pseudo-Loss Selection (PLS) algorithm on a variety of benchmark datasets including curated data synthetically corrupted with in-distribution and out-of-distribution noise, and two real world web noise datasets. Our experiments are fully reproducible github.com/PaulAlbert31/SNCF
LGJul 3, 2024
Knowledge Composition using Task Vectors with Learned Anisotropic ScalingFrederic Z. Zhang, Paul Albert, Cristian Rodriguez-Opazo et al.
Pre-trained models produce strong generic representations that can be adapted via fine-tuning. The learned weight difference relative to the pre-trained model, known as a task vector, characterises the direction and stride of fine-tuning. The significance of task vectors is such that simple arithmetic operations on them can be used to combine diverse representations from different domains. This paper builds on these properties of task vectors and aims to answer (1) whether components of task vectors, particularly parameter blocks, exhibit similar characteristics, and (2) how such blocks can be used to enhance knowledge composition and transfer. To this end, we introduce aTLAS, an algorithm that linearly combines parameter blocks with different learned coefficients, resulting in anisotropic scaling at the task vector level. We show that such linear combinations explicitly exploit the low intrinsic dimensionality of pre-trained models, with only a few coefficients being the learnable parameters. Furthermore, composition of parameter blocks leverages the already learned representations, thereby reducing the dependency on large amounts of data. We demonstrate the effectiveness of our method in task arithmetic, few-shot recognition and test-time adaptation, with supervised or unsupervised objectives. In particular, we show that (1) learned anisotropic scaling allows task vectors to be more disentangled, causing less interference in composition; (2) task vector composition excels with scarce or no labeled data and is less prone to domain shift, thus leading to better generalisability; (3) mixing the most informative parameter blocks across different task vectors prior to training can reduce the memory footprint and improve the flexibility of knowledge transfer. Moreover, we show the potential of aTLAS as a PEFT method, particularly with less data, and demonstrate its scalibility.
CVJul 8, 2024Code
An accurate detection is not all you need to combat label noise in web-noisy datasetsPaul Albert, Jack Valmadre, Eric Arazo et al.
Training a classifier on web-crawled data demands learning algorithms that are robust to annotation errors and irrelevant examples. This paper builds upon the recent empirical observation that applying unsupervised contrastive learning to noisy, web-crawled datasets yields a feature representation under which the in-distribution (ID) and out-of-distribution (OOD) samples are linearly separable. We show that direct estimation of the separating hyperplane can indeed offer an accurate detection of OOD samples, and yet, surprisingly, this detection does not translate into gains in classification accuracy. Digging deeper into this phenomenon, we discover that the near-perfect detection misses a type of clean examples that are valuable for supervised learning. These examples often represent visually simple images, which are relatively easy to identify as clean examples using standard loss- or distance-based methods despite being poorly separated from the OOD distribution using unsupervised learning. Because we further observe a low correlation with SOTA metrics, this urges us to propose a hybrid solution that alternates between noise detection using linear separation and a state-of-the-art (SOTA) small-loss approach. When combined with the SOTA algorithm PLS, we substantially improve SOTA results for real-world image classification in the presence of web noise github.com/PaulAlbert31/LSA
CVApr 20, 2022
Utilizing unsupervised learning to improve sward content prediction and herbage mass estimationPaul Albert, Mohamed Saadeldin, Badri Narayanan et al.
Sward species composition estimation is a tedious one. Herbage must be collected in the field, manually separated into components, dried and weighed to estimate species composition. Deep learning approaches using neural networks have been used in previous work to propose faster and more cost efficient alternatives to this process by estimating the biomass information from a picture of an area of pasture alone. Deep learning approaches have, however, struggled to generalize to distant geographical locations and necessitated further data collection to retrain and perform optimally in different climates. In this work, we enhance the deep learning solution by reducing the need for ground-truthed (GT) images when training the neural network. We demonstrate how unsupervised contrastive learning can be used in the sward composition prediction problem and compare with the state-of-the-art on the publicly available GrassClover dataset collected in Denmark as well as a more recent dataset from Ireland where we tackle herbage mass and height estimation.
LGJan 22, 2023
Unifying Synergies between Self-supervised Learning and Dynamic ComputationTarun Krishna, Ayush K Rai, Alexandru Drimbarean et al.
Computationally expensive training strategies make self-supervised learning (SSL) impractical for resource constrained industrial settings. Techniques like knowledge distillation (KD), dynamic computation (DC), and pruning are often used to obtain a lightweightmodel, which usually involves multiple epochs of fine-tuning (or distilling steps) of a large pre-trained model, making it more computationally challenging. In this work we present a novel perspective on the interplay between SSL and DC paradigms. In particular, we show that it is feasible to simultaneously learn a dense and gated sub-network from scratch in a SSL setting without any additional fine-tuning or pruning steps. The co-evolution during pre-training of both dense and gated encoder offers a good accuracy-efficiency trade-off and therefore yields a generic and multi-purpose architecture for application specific industrial settings. Extensive experiments on several image classification benchmarks including CIFAR-10/100, STL-10 and ImageNet-100, demonstrate that the proposed training strategy provides a dense and corresponding gated sub-network that achieves on-par performance compared with the vanilla self-supervised setting, but at a significant reduction in computation in terms of FLOPs, under a range of target budgets (td ).
CVOct 27, 2021Code
How Important is Importance Sampling for Deep Budgeted Training?Eric Arazo, Diego Ortego, Paul Albert et al.
Long iterative training processes for Deep Neural Networks (DNNs) are commonly required to achieve state-of-the-art performance in many computer vision tasks. Importance sampling approaches might play a key role in budgeted training regimes, i.e. when limiting the number of training iterations. These approaches aim at dynamically estimating the importance of each sample to focus on the most relevant and speed up convergence. This work explores this paradigm and how a budget constraint interacts with importance sampling approaches and data augmentation techniques. We show that under budget restrictions, importance sampling approaches do not provide a consistent improvement over uniform sampling. We suggest that, given a specific budget, the best course of action is to disregard the importance and introduce adequate data augmentation; e.g. when reducing the budget to a 30% in CIFAR-10/100, RICAP data augmentation maintains accuracy, while importance sampling does not. We conclude from our work that DNNs under budget restrictions benefit greatly from variety in the training set and that finding the right samples to train on is not the most effective strategy when balancing high performance with low computational requirements. Source code available at https://git.io/JKHa3 .
CVOct 26, 2021Code
Semi-supervised dry herbage mass estimation using automatic data and synthetic imagesPaul Albert, Mohamed Saadeldin, Badri Narayanan et al.
Monitoring species-specific dry herbage biomass is an important aspect of pasture-based milk production systems. Being aware of the herbage biomass in the field enables farmers to manage surpluses and deficits in herbage supply, as well as using targeted nitrogen fertilization when necessary. Deep learning for computer vision is a powerful tool in this context as it can accurately estimate the dry biomass of a herbage parcel using images of the grass canopy taken using a portable device. However, the performance of deep learning comes at the cost of an extensive, and in this case destructive, data gathering process. Since accurate species-specific biomass estimation is labor intensive and destructive for the herbage parcel, we propose in this paper to study low supervision approaches to dry biomass estimation using computer vision. Our contributions include: a synthetic data generation algorithm to generate data for a herbage height aware semantic segmentation task, an automatic process to label data using semantic segmentation maps, and a robust regression network trained to predict dry biomass using approximate biomass labels and a small trusted dataset with gold standard labels. We design our approach on a herbage mass estimation dataset collected in Ireland and also report state-of-the-art results on the publicly released Grass-Clover biomass estimation dataset from Denmark. Our code is available at https://git.io/J0L2a
CVDec 8, 2020Code
Multi-Objective Interpolation Training for Robustness to Label NoiseDiego Ortego, Eric Arazo, Paul Albert et al.
Deep neural networks trained with standard cross-entropy loss memorize noisy labels, which degrades their performance. Most research to mitigate this memorization proposes new robust classification loss functions. Conversely, we propose a Multi-Objective Interpolation Training (MOIT) approach that jointly exploits contrastive learning and classification to mutually help each other and boost performance against label noise. We show that standard supervised contrastive learning degrades in the presence of label noise and propose an interpolation training strategy to mitigate this behavior. We further propose a novel label noise detection method that exploits the robust feature representations learned via contrastive learning to estimate per-sample soft-labels whose disagreements with the original labels accurately identify noisy samples. This detection allows treating noisy samples as unlabeled and training a classifier in a semi-supervised manner to prevent noise memorization and improve representation learning. We further propose MOIT+, a refinement of MOIT by fine-tuning on detected clean samples. Hyperparameter and ablation studies verify the key components of our method. Experiments on synthetic and real-world noise benchmarks demonstrate that MOIT/MOIT+ achieves state-of-the-art results. Code is available at https://git.io/JI40X.
CVJul 23, 2020Code
Reliable Label Bootstrapping for Semi-Supervised LearningPaul Albert, Diego Ortego, Eric Arazo et al.
Reducing the amount of labels required to train convolutional neural networks without performance degradation is key to effectively reduce human annotation efforts. We propose Reliable Label Bootstrapping (ReLaB), an unsupervised preprossessing algorithm which improves the performance of semi-supervised algorithms in extremely low supervision settings. Given a dataset with few labeled samples, we first learn meaningful self-supervised, latent features for the data. Second, a label propagation algorithm propagates the known labels on the unsupervised features, effectively labeling the full dataset in an automatic fashion. Third, we select a subset of correctly labeled (reliable) samples using a label noise detection algorithm. Finally, we train a semi-supervised algorithm on the extended subset. We show that the selection of the network architecture and the self-supervised algorithm are important factors to achieve successful label propagation and demonstrate that ReLaB substantially improves semi-supervised learning in scenarios of very limited supervision on CIFAR-10, CIFAR-100 and mini-ImageNet. We reach average error rates of $\boldsymbol{22.34}$ with 1 random labeled sample per class on CIFAR-10 and lower this error to $\boldsymbol{8.46}$ when the labeled sample in each class is highly representative. Our work is fully reproducible: https://github.com/PaulAlbert31/ReLaB.
CVDec 18, 2019Code
Towards Robust Learning with Different Label Noise DistributionsDiego Ortego, Eric Arazo, Paul Albert et al.
Noisy labels are an unavoidable consequence of labeling processes and detecting them is an important step towards preventing performance degradations in Convolutional Neural Networks. Discarding noisy labels avoids a harmful memorization, while the associated image content can still be exploited in a semi-supervised learning (SSL) setup. Clean samples are usually identified using the small loss trick, i.e. they exhibit a low loss. However, we show that different noise distributions make the application of this trick less straightforward and propose to continuously relabel all images to reveal a discriminative loss against multiple distributions. SSL is then applied twice, once to improve the clean-noisy detection and again for training the final model. We design an experimental setup based on ImageNet32/64 for better understanding the consequences of representation learning with differing label noise distributions and find that non-uniform out-of-distribution noise better resembles real-world noise and that in most cases intermediate features are not affected by label noise corruption. Experiments in CIFAR-10/100, ImageNet32/64 and WebVision (real-world noise) demonstrate that the proposed label noise Distribution Robust Pseudo-Labeling (DRPL) approach gives substantial improvements over recent state-of-the-art. Code is available at https://git.io/JJ0PV.
CVAug 8, 2019Code
Pseudo-Labeling and Confirmation Bias in Deep Semi-Supervised LearningEric Arazo, Diego Ortego, Paul Albert et al.
Semi-supervised learning, i.e. jointly learning from labeled and unlabeled samples, is an active research topic due to its key role on relaxing human supervision. In the context of image classification, recent advances to learn from unlabeled samples are mainly focused on consistency regularization methods that encourage invariant predictions for different perturbations of unlabeled samples. We, conversely, propose to learn from unlabeled data by generating soft pseudo-labels using the network predictions. We show that a naive pseudo-labeling overfits to incorrect pseudo-labels due to the so-called confirmation bias and demonstrate that mixup augmentation and setting a minimum number of labeled samples per mini-batch are effective regularization techniques for reducing it. The proposed approach achieves state-of-the-art results in CIFAR-10/100, SVHN, and Mini-ImageNet despite being much simpler than other methods. These results demonstrate that pseudo-labeling alone can outperform consistency regularization methods, while the opposite was supposed in previous work. Source code is available at https://git.io/fjQsC.
CVApr 25, 2019Code
Unsupervised Label Noise Modeling and Loss CorrectionEric Arazo, Diego Ortego, Paul Albert et al.
Despite being robust to small amounts of label noise, convolutional neural networks trained with stochastic gradient methods have been shown to easily fit random labels. When there are a mixture of correct and mislabelled targets, networks tend to fit the former before the latter. This suggests using a suitable two-component mixture model as an unsupervised generative model of sample loss values during training to allow online estimation of the probability that a sample is mislabelled. Specifically, we propose a beta mixture to estimate this probability and correct the loss by relying on the network prediction (the so-called bootstrapping loss). We further adapt mixup augmentation to drive our approach a step further. Experiments on CIFAR-10/100 and TinyImageNet demonstrate a robustness to label noise that substantially outperforms recent state-of-the-art. Source code is available at https://git.io/fjsvE
CLFeb 3, 2025
RandLoRA: Full-rank parameter-efficient fine-tuning of large modelsPaul Albert, Frederic Z. Zhang, Hemanth Saratchandran et al.
Low-Rank Adaptation (LoRA) and its variants have shown impressive results in reducing the number of trainable parameters and memory requirements of large transformer networks while maintaining fine-tuning performance. The low-rank nature of the weight update inherently limits the representation power of fine-tuned models, however, thus potentially compromising performance on complex tasks. This raises a critical question: when a performance gap between LoRA and standard fine-tuning is observed, is it due to the reduced number of trainable parameters or the rank deficiency? This paper aims to answer this question by introducing RandLoRA, a parameter-efficient method that performs full-rank updates using a learned linear combinations of low-rank, non-trainable random matrices. Our method limits the number of trainable parameters by restricting optimization to diagonal scaling matrices applied to the fixed random matrices. This allows us to effectively overcome the low-rank limitations while maintaining parameter and memory efficiency during training. Through extensive experimentation across vision, language, and vision-language benchmarks, we systematically evaluate the limitations of LoRA and existing random basis methods. Our findings reveal that full-rank updates are beneficial across vision and language tasks individually, and even more so for vision-language tasks, where RandLoRA significantly reduces -- and sometimes eliminates -- the performance gap between standard fine-tuning and LoRA, demonstrating its efficacy.
LGAug 1, 2025
Towards Higher Effective Rank in Parameter-efficient Fine-tuning using Khatri--Rao ProductPaul Albert, Frederic Z. Zhang, Hemanth Saratchandran et al.
Parameter-efficient fine-tuning (PEFT) has become a standard approach for adapting large pre-trained models. Amongst PEFT methods, low-rank adaptation (LoRA) has achieved notable success. However, recent studies have highlighted its limitations compared against full-rank alternatives, particularly when applied to multimodal and large language models. In this work, we present a quantitative comparison amongst full-rank and low-rank PEFT methods using a synthetic matrix approximation benchmark with controlled spectral properties. Our results confirm that LoRA struggles to approximate matrices with relatively flat spectrums or high frequency components -- signs of high effective ranks. To this end, we introduce KRAdapter, a novel PEFT algorithm that leverages the Khatri-Rao product to produce weight updates, which, by construction, tends to produce matrix product with a high effective rank. We demonstrate performance gains with KRAdapter on vision-language models up to 1B parameters and on large language models up to 8B parameters, particularly on unseen common-sense reasoning tasks. In addition, KRAdapter maintains the memory and compute efficiency of LoRA, making it a practical and robust alternative to fine-tune billion-scale parameter models.
CVApr 17, 2024
Energy-Efficient Uncertainty-Aware Biomass Composition Prediction at the EdgeMuhammad Zawish, Paul Albert, Flavio Esposito et al.
Clover fixates nitrogen from the atmosphere to the ground, making grass-clover mixtures highly desirable to reduce external nitrogen fertilization. Herbage containing clover additionally promotes higher food intake, resulting in higher milk production. Herbage probing however remains largely unused as it requires a time-intensive manual laboratory analysis. Without this information, farmers are unable to perform localized clover sowing or take targeted fertilization decisions. Deep learning algorithms have been proposed with the goal to estimate the dry biomass composition from images of the grass directly in the fields. The energy-intensive nature of deep learning however limits deployment to practical edge devices such as smartphones. This paper proposes to fill this gap by applying filter pruning to reduce the energy requirement of existing deep learning solutions. We report that although pruned networks are accurate on controlled, high-quality images of the grass, they struggle to generalize to real-world smartphone images that are blurry or taken from challenging angles. We address this challenge by training filter-pruned models using a variance attenuation loss so they can predict the uncertainty of their predictions. When the uncertainty exceeds a threshold, we re-infer using a more accurate unpruned model. This hybrid approach allows us to reduce energy consumption while retaining a high accuracy. We evaluate our algorithm on two datasets: the GrassClover and the Irish clover using an NVIDIA Jetson Nano edge device. We find that we reduce energy reduction with respect to state-of-the-art solutions by 50% on average with only 4% accuracy loss.
LGMay 28, 2025
SineLoRA$Δ$: Sine-Activated Delta CompressionCameron Gordon, Yiping Ji, Hemanth Saratchandran et al.
Resource-constrained weight deployment is a task of immense practical importance. Recently, there has been interest in the specific task of \textit{Delta Compression}, where parties each hold a common base model and only communicate compressed weight updates. However, popular parameter efficient updates such as Low Rank Adaptation (LoRA) face inherent representation limitations - which are especially pronounced when combined with aggressive quantization. To overcome this, we build on recent work that improves LoRA representation capacity by using fixed-frequency sinusoidal functions to increase stable rank without adding additional parameters. We extend this to the quantized setting and present the first theoretical analysis showing how stable rank evolves under quantization. From this, we introduce SineLoRA$Δ$, a principled and effective method for delta compression that improves the expressivity of quantized low-rank adapters by applying a sinusoidal activation. We validate SineLoRA$Δ$ across a diverse variety of domains - including language modeling, vision-language tasks, and text-to-image generation - achieving up to 66% memory reduction with similar performance. We additionally provide a novel application of the canonical Bjøntegaard Delta metric to consistently compare adapter compression changes across the rate-distortion curve.
CVOct 26, 2021
Addressing out-of-distribution label noise in webly-labelled dataPaul Albert, Diego Ortego, Eric Arazo et al.
A recurring focus of the deep learning community is towards reducing the labeling effort. Data gathering and annotation using a search engine is a simple alternative to generating a fully human-annotated and human-gathered dataset. Although web crawling is very time efficient, some of the retrieved images are unavoidably noisy, i.e. incorrectly labeled. Designing robust algorithms for training on noisy data gathered from the web is an important research perspective that would render the building of datasets easier. In this paper we conduct a study to understand the type of label noise to expect when building a dataset using a search engine. We review the current limitations of state-of-the-art methods for dealing with noisy labels for image classification tasks in the case of web noise distribution. We propose a simple solution to bridge the gap with a fully clean dataset using Dynamic Softening of Out-of-distribution Samples (DSOS), which we design on corrupted versions of the CIFAR-100 dataset, and compare against state-of-the-art algorithms on the web noise perturbated MiniImageNet and Stanford datasets and on real label noise datasets: WebVision 1.0 and Clothing1M. Our work is fully reproducible https://git.io/JKGcj
CVJan 8, 2021
Extracting Pasture Phenotype and Biomass Percentages using Weakly Supervised Multi-target Deep Learning on a Small DatasetBadri Narayanan, Mohamed Saadeldin, Paul Albert et al.
The dairy industry uses clover and grass as fodder for cows. Accurate estimation of grass and clover biomass yield enables smart decisions in optimizing fertilization and seeding density, resulting in increased productivity and positive environmental impact. Grass and clover are usually planted together, since clover is a nitrogen-fixing plant that brings nutrients to the soil. Adjusting the right percentages of clover and grass in a field reduces the need for external fertilization. Existing approaches for estimating the grass-clover composition of a field are expensive and time consuming - random samples of the pasture are clipped and then the components are physically separated to weigh and calculate percentages of dry grass, clover and weeds in each sample. There is growing interest in developing novel deep learning based approaches to non-destructively extract pasture phenotype indicators and biomass yield predictions of different plant species from agricultural imagery collected from the field. Providing these indicators and predictions from images alone remains a significant challenge. Heavy occlusions in the dense mixture of grass, clover and weeds make it difficult to estimate each component accurately. Moreover, although supervised deep learning models perform well with large datasets, it is tedious to acquire large and diverse collections of field images with precise ground truth for different biomass yields. In this paper, we demonstrate that applying data augmentation and transfer learning is effective in predicting multi-target biomass percentages of different plant species, even with a small training dataset. The scheme proposed in this paper used a training set of only 261 images and provided predictions of biomass percentages of grass, clover, white clover, red clover, and weeds with mean absolute error of 6.77%, 6.92%, 6.21%, 6.89%, and 4.80% respectively.