In a dynamic landscape where portfolios and environments evolve, maintaining the accuracy of pricing models is critical. To the best of our knowledge, this is the first study to systematically examine concept drift in non-life insurance pricing. We (i) provide an overview of the relevant literature and commonly used methodologies, clarify the distinction between virtual drift and concept drift, and explain their implications for long-run model performance; (ii) review and formalize common performance measures, including the Gini index and deviance loss, and articulate their interpretation; (iii) derive the asymptotic distribution of the Gini index, enabling valid inference and hypothesis testing; and (iv) present a standardized monitoring procedure that indicates when refitting is warranted. We illustrate the framework using a modified real-world portfolio with induced concept drift and discuss practical considerations and pitfalls.

Graphical user interface (GUI) agents autonomously complete tasks across platforms (\eg, Linux) by sequentially decomposing user instructions into action proposals that iteratively interact with visual elements in the evolving environment. However, two main challenges arise: i) planning (\ie, the action proposal sequence) under expansive action space, where selecting an appropriate plan is non-trivial, as many valid ones may exist; ii) accurately grounding actions in complex and high-resolution interfaces, \ie, precisely interacting with visual targets. This paper investigates the aforementioned challenges with our \textbf{G}UI \textbf{T}est-time Scaling \textbf{A}gent, namely GTA1. First, we conduct test-time scaling to select the most appropriate action proposal: at each step, multiple candidate proposals are sampled and evaluated and selected by a judge model. It trades off computation for better decision quality by concurrent sampling. Second, we propose a model that improves grounding of the selected action proposals to its corresponding visual elements. Our key insight is that reinforcement learning (RL) facilitates grounding through inherent objective alignments, rewarding successful clicks on interface elements. Experimentally, GTA1 achieves state-of-the-art performance on both grounding and agent task execution benchmarks. The code and models are released here.

Text-to-video (T2V) generation technology holds potential to transform multiple domains such as education, marketing, entertainment, and assistive technologies for individuals with visual or reading comprehension challenges, by creating coherent visual content from natural language prompts. From its inception, the field has advanced from adversarial models to diffusion-based models, yielding higher-fidelity, temporally consistent outputs. Yet challenges persist, such as alignment, long-range coherence, and computational efficiency. Addressing this evolving landscape, we present a comprehensive survey of text-to-video generative models, tracing their development from early GANs and VAEs to hybrid Diffusion-Transformer (DiT) architectures, detailing how these models work, what limitations they addressed in their predecessors, and why shifts toward new architectural paradigms were necessary to overcome challenges in quality, coherence, and control. We provide a systematic account of the datasets, which the surveyed text-to-video models were trained and evaluated on, and, to support reproducibility and assess the accessibility of training such models, we detail their training configurations, including their hardware specifications, GPU counts, batch sizes, learning rates, optimizers, epochs, and other key hyperparameters. Further, we outline the evaluation metrics commonly used for evaluating such models and present their performance across standard benchmarks, while also discussing the limitations of these metrics and the emerging shift toward more holistic, perception-aligned evaluation strategies. Finally, drawing from our analysis, we outline the current open challenges and propose a few promising future directions, laying out a perspective for future researchers to explore and build upon in advancing T2V research and applications.

Large Reasoning Models (LRMs) often exhibit a tendency for overanalysis in simple tasks, where the models excessively utilize System 2-type, deliberate reasoning, leading to inefficient token generation. Furthermore, these models face challenges in adapting their reasoning capabilities to rapidly changing environments due to the static nature of their pretraining data. To address these issues, advancing Large Language Models (LLMs) for complex reasoning tasks requires innovative approaches that bridge intuitive and deliberate cognitive processes, akin to human cognition's dual-system dynamic. This paper introduces a Multi-Agent System for Deep ReSearch (MARS) enabling seamless integration of System 1's fast, intuitive thinking with System 2's deliberate reasoning within LLMs. MARS strategically integrates multiple external tools, such as Google Search, Google Scholar, and Python Interpreter, to access up-to-date information and execute complex computations, while creating a specialized division of labor where System 1 efficiently processes and summarizes high-volume external information, providing distilled insights that expand System 2's reasoning context without overwhelming its capacity. Furthermore, we propose a multi-agent reinforcement learning framework extending Group Relative Policy Optimization to simultaneously optimize both systems with multi-turn tool interactions, bin-packing optimization, and sample balancing strategies that enhance collaborative efficiency. Extensive experiments demonstrate MARS achieves substantial improvements of 3.86% on the challenging Humanity's Last Exam (HLE) benchmark and an average gain of 8.9% across 7 knowledge-intensive tasks, validating the effectiveness of our dual-system paradigm for complex reasoning in dynamic information environments.

In this paper, our objective is to develop a multi-agent financial system that incorporates simulated trading, a technique extensively utilized by financial professionals. While current LLM-based agent models demonstrate competitive performance, they still exhibit significant deviations from real-world fund companies. A critical distinction lies in the agents' reliance on ``post-reflection'', particularly in response to adverse outcomes, but lack a distinctly human capability: long-term prediction of future trends. Therefore, we introduce QuantAgents, a multi-agent system integrating simulated trading, to comprehensively evaluate various investment strategies and market scenarios without assuming actual risks. Specifically, QuantAgents comprises four agents: a simulated trading analyst, a risk control analyst, a market news analyst, and a manager, who collaborate through several meetings. Moreover, our system incentivizes agents to receive feedback on two fronts: performance in real-world markets and predictive accuracy in simulated trading. Extensive experiments demonstrate that our framework excels across all metrics, yielding an overall return of nearly 300% over the three years (https://quantagents.github.io/).

Abstract--Detecting manipulated media has now become a pressing issue with the recent rise of deepfakes. Most existing approaches fail to generalize across diverse datasets and generation techniques. We thus propose a novel ensemble framework, combining the strengths of transformer-based architectures, such as Swin Transformers and ViTs, and texture-based methods, to achieve better detection accuracy and robustness. Our method introduces innovative data-splitting, sequential training, frequency splitting, patch-based attention, and face segmentation techniques to handle dataset imbalances, enhance high-impact regions (e.g., eyes and mouth), and improve generalization. Our model achieves state-of-the-art performance when tested on the DFWild-Cup dataset, a diverse subset of eight deepfake datasets. This work demonstrates that hybrid models can effectively address the evolving challenges of deepfake detection, offering a robust solution for real-world applications. The rapid advancement of deep learning and generative models has led to the proliferation of deepfakes. AI-generated images, videos, and audio recordings are becoming increasingly realistic, making it difficult for humans and traditional systems to distinguish between real and manipulated content.

The rapid evolution of artificial intelligence (AI) has shifted from static, data-driven models to dynamic systems capable of perceiving and interacting with real-world environments. Despite advancements in pattern recognition and symbolic reasoning, current AI systems, such as large language models, remain disembodied, unable to physically engage with the world. This limitation has driven the rise of embodied AI, where autonomous agents, such as humanoid robots, must navigate and manipulate unstructured environments with human-like adaptability. At the core of this challenge lies the concept of Neural Brain, a central intelligence system designed to drive embodied agents with human-like adaptability. A Neural Brain must seamlessly integrate multimodal sensing and perception with cognitive capabilities. Achieving this also requires an adaptive memory system and energy-efficient hardware-software co-design, enabling real-time action in dynamic environments. This paper introduces a unified framework for the Neural Brain of embodied agents, addressing two fundamental challenges: (1) defining the core components of Neural Brain and (2) bridging the gap between static AI models and the dynamic adaptability required for real-world deployment. To this end, we propose a biologically inspired architecture that integrates multimodal active sensing, perception-cognition-action function, neuroplasticity-based memory storage and updating, and neuromorphic hardware/software optimization. Furthermore, we also review the latest research on embodied agents across these four aspects and analyze the gap between current AI systems and human intelligence. By synthesizing insights from neuroscience, we outline a roadmap towards the development of generalizable, autonomous agents capable of human-level intelligence in real-world scenarios.

Reasoning over very long inputs remains difficult for large language models (LLMs). Common workarounds either shrink the input via retrieval (risking missed evidence), enlarge the context window (straining selectivity), or stage multiple agents to read in pieces. In staged pipelines (e.g., Chain of Agents, CoA), free-form summaries passed between agents can discard crucial details and amplify early mistakes. We introduce COSMIR (Chain Orchestrated Structured Memory for Iterative Reasoning), a chain-style framework that replaces ad hoc messages with a structured memory. A Planner agent first turns a user query into concrete, checkable sub-questions. worker agents process chunks via a fixed micro-cycle: Extract, Infer, Refine, writing all updates to the shared memory. A Manager agent then Synthesizes the final answer directly from the memory. This preserves step-wise read-then-reason benefits while changing both the communication medium (structured memory) and the worker procedure (fixed micro-cycle), yielding higher faithfulness, better long-range aggregation, and auditability. On long-context QA from the HELMET suite, COSMIR reduces propagation-stage information loss and improves accuracy over a CoA baseline.

Large language models (LLMs) have become integral to enterprise operations, powering applications ranging from automated financial auditing and risk assessment in banking to predictive diagnostics and patient interaction systems in healthcare, and even real-time customer sentiment analysis in e-commerce platforms. However, the deployment of these models at scale introduces multifaceted vulnerabilities that can lead to catastrophic failures. Prompt injection attacks, where malicious inputs manipulate model behavior to bypass safeguards, represent a direct security threat. Strategic deception, where models exhibit emergent behaviors that misalign with intended goals, erodes trust in agentic systems. Biased outputs, stemming from skewed training data or architectural inductive biases, perpetuate unfairness and can result in regulatory non-compliance or reputational damage. Our prior work [Ravindran, 2024] laid the groundwork by introducing adversarial activation patching, a novel interpretability technique that successfully induced deception in simplified toy neural networks, achieving a 23.9% induction rate. This demonstrated the feasibility of using activation-level interventions to probe and expose hidden risks in safety-aligned transformers. Building upon this foundation, we propose the Unified Threat Detection and Mitigation Framework (UTDMF), a comprehensive, scalable, and real-time pipeline explicitly designed for enterprise environments where high-stakes decisions demand robustness, explainability, and compliance.

Text editing can involve several iterations of revision. Incorporating an efficient Grammar Error Correction (GEC) tool in the initial correction round can significantly impact further human editing effort and final text quality. This raises an interesting question to quantify GEC Tool usability: How much effort can the GEC Tool save users? We present the first large-scale dataset of post-editing (PE) time annotations and corrections for two English GEC test datasets (BEA19 and CoNLL14). We introduce Post-Editing Effort in Time (PEET) for GEC Tools as a human-focused evaluation scorer to rank any GEC Tool by estimating PE time-to-correct. Using our dataset, we quantify the amount of time saved by GEC Tools in text editing. Analyzing the edit type indicated that determining whether a sentence needs correction and edits like paraphrasing and punctuation changes had the greatest impact on PE time. Finally, comparison with human rankings shows that PEET correlates well with technical effort judgment, providing a new human-centric direction for evaluating GEC tool usability. We release our dataset and code at: https://github.com/ankitvad/PEET_Scorer.