Staged Continual Adaptation of Multimodal Foundation Models for Japanese Financial Documents

arXiv:2610.27904v1 Announce Type: new Abstract: Staged post-training of multimodal foundation models chains vision-language alignment, reasoning distillation, and domain tuning, yet how each phase trades capabilities against the others remains under-characterised. Tracking an 8.4B-parameter model from an un-fine-tuned baseline through three training phases on Japanese financial documents (evaluated on five text-input benchmarks), we find the phases interact non-additively: math-only distillation overwrites the financial knowledge acquired earlier even as procedural math skill survives, and the

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