Prediction of oxygen requirement in patients with COVID-19 using a pre-trained chest radiograph xAI model: efficient development of auditable risk prediction models via a fine-tuning approach Joowon Chung, Doyun Kim, Jongmun Choi, Sehyo Yune, Kyoung Doo Song, Seonkyoung Kim, Michelle Chua, Marc D. Succi, John Conklin, Maria G. Figueiro Longo, Jeanne B. Ackman, Milena Petranovic, Michael H. Lev & Synho Do