The Acoustic Camouflage Phenomenon: Re-evaluating Speech Features for Financial Risk Prediction

Measuring conversational states such as cognitive load and conversational power from multimodal behavior requires characteristic features that are not only predictive but also reliable across task contexts. We present a three-dimensional evaluation framework assessing predictive accuracy, cross-task generalizability, and test-retest reliability, applied to interactional, acoustic, and linguistic features extracted from dyadic conversations during collaborative tasks performed over a video-conferencing platform (AVCAffe dataset; 53 dyads, 9 tasks). Our results show that no single feature family dominates all three dimensions. Linguistic features show the highest predictive accuracy for cognitive load but collapse under cross-task evaluation, revealing sensitivity to task-specific vocabulary. Additionally, acoustic reliability, often reported as evidence of feature stability, degrades once speaker identity is controlled, confirming that standard prosodic features measure vocal characteristics rather than conversational state. Interaction features provide the only genuinely reliable signal, unchanged after speaker normalization. Interestingly, classifying power role remained near chance baseline across all conditions, indicating limitations of task-level aggregated behavior for predicting power role in conversation. Our findings reveal three insights: (1) linguistic features predict best but generalize poorly across task contexts; (2) acoustic reliability collapses to near-zero once speaker identity is controlled, challenging standard evaluation practice; and (3) interaction features provide the only genuinely reliable signal, with floor dominance predicting within-dyad cognitive load asymmetry. These results argue for speaker normalization and multi-dimensional evaluation as prerequisites for context-aware, robust multimodal feature selection in conversational systems.

Estimating cognitive load from speech has largely been studied in controlled laboratory settings, with limited understanding of its reliability in natural collaborative conversations. We investigate whether speech and interaction dynamics predict perceived cognitive load during dyadic conversations. We analyze audio from 53 dyads performing nine collaborative tasks and extract static acoustic, dynamic, and interaction features to train a two-head Gated Recurrent Unit encoder to predict cognitive load scores. Results show conversational interaction provides useful signals for predicting cognitive load related to time pressure, mental work, effort, and task performance. Temporal demand is associated with turn-taking dynamics such as overlap and speaker switch, while mental demand is linked to imbalanced participation between speakers. These findings highlight the importance of task structure and conversational interaction for modeling cognitive load in natural collaborative settings.

Pretrained audio embeddings are standard in bioacoustics, yet little is known about which acoustic features these models encode, nor which are useful for a given task. This hinders transparency and limits extension to rare species or data-scarce domains. Here we reveal which speech-like features are encoded in bioacoustic representations. Using the 88~eGeMAPS features across six taxonomic groups, we apply linear and nonlinear regression probes to quantify which acoustic properties each model captures. Results confirm a ``no free lunch'' pattern: no single model captures the full feature space. A concatenated embedding achieves the highest performance, suggesting complementary acoustic space coverage across models. Loudness features are best encoded ($R^2 = 0.76$) while F0 is hardest to recover ($R^2 = 0.33$). By cross-referencing recoverability with per-species feature salience (NMI), we derive data-driven model selection guidance for bioacoustics.