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Add Retrieval & embeddings section + link to KOS-V5-Retriever adapter

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  1. README.md +16 -0
README.md CHANGED
@@ -309,6 +309,20 @@ that several of these models are non-English-first (Finnish, Italian, French, Po
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  measured on English benchmarks, which understates their designed capability. On parametric knowledge (MMLU) the
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  larger, more heavily trained models still lead.
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  ## Known regressions and limitations
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  > These are disclosed deliberately. A high benchmark score does not make this checkpoint production-ready.
@@ -374,6 +388,8 @@ print(tok.decode(out[0][inputs.shape[-1]:], skip_special_tokens=True))
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  ## Related models
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  - [**KOS-V5-Base**](https://huggingface.co/Kentucky-Open-Science/KOS-V5-Base) — the from-scratch pretrained
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  foundation this model is tuned from (3.72B, 235.2B tokens).
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  - [**KOS-V4-Instruct**](https://huggingface.co/Kentucky-Open-Science/KOS-V4-Instruct) — previous generation
 
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  measured on English benchmarks, which understates their designed capability. On parametric knowledge (MMLU) the
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  larger, more heavily trained models still lead.
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+ ## Retrieval & embeddings
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+
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+ Beyond generation, KOS-V5-Instruct **also serves as a dense text retriever.** A companion **LoRA adapter** —
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+ [**KOS-V5-Retriever**](https://huggingface.co/Kentucky-Open-Science/KOS-V5-Retriever) — converts
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+ this model into an embedding model (llm2vec-style: bidirectional attention + mean-pooling + a contrastively-trained
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+ rank-32 LoRA), with these base weights **frozen and unchanged**.
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+
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+ On the **official BEIR SciFact** benchmark (the `beir` library + pytrec_eval — the public-leaderboard scorer),
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+ **zero-shot** (training excluded SciFact, verified clean), it scores **NDCG@10 = 0.7007** (Recall@10 0.864) — a
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+ **strong dense retriever**, above BM25 (0.665) and within the GTR/E5/BGE band (0.70–0.76). The adapter is
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+ hot-swappable: attach it for retrieval, detach it for generation. See the
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+ [adapter card](https://huggingface.co/Kentucky-Open-Science/KOS-V5-Retriever) for the encode recipe and
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+ the full retrieval details.
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+
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  ## Known regressions and limitations
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  > These are disclosed deliberately. A high benchmark score does not make this checkpoint production-ready.
 
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  ## Related models
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+ - [**KOS-V5-Retriever**](https://huggingface.co/Kentucky-Open-Science/KOS-V5-Retriever) — a LoRA
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+ **retrieval/embedding adapter** for this model (llm2vec; official BEIR SciFact NDCG@10 **0.70**, zero-shot).
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  - [**KOS-V5-Base**](https://huggingface.co/Kentucky-Open-Science/KOS-V5-Base) — the from-scratch pretrained
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  foundation this model is tuned from (3.72B, 235.2B tokens).
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  - [**KOS-V4-Instruct**](https://huggingface.co/Kentucky-Open-Science/KOS-V4-Instruct) — previous generation