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ClauseLens: Clause-Grounded, CVaR-Constrained Reinforcement Learning for Trustworthy Reinsurance Pricing

arXiv.org Machine Learning

Reinsurance treaty pricing must satisfy stringent regulatory standards, yet current quoting practices remain opaque and difficult to audit. We introduce ClauseLens, a clause-grounded reinforcement learning framework that produces transparent, regulation-compliant, and risk-aware treaty quotes. ClauseLens models the quoting task as a Risk-Aware Constrained Markov Decision Process (RA-CMDP). Statutory and policy clauses are retrieved from legal and underwriting corpora, embedded into the agent's observations, and used both to constrain feasible actions and to generate clause-grounded natural language justifications. Evaluated in a multi-agent treaty simulator calibrated to industry data, ClauseLens reduces solvency violations by 51%, improves tail-risk performance by 27.9% (CVaR_0.10), and achieves 88.2% accuracy in clause-grounded explanations with retrieval precision of 87.4% and recall of 91.1%. These findings demonstrate that embedding legal context into both decision and explanation pathways yields interpretable, auditable, and regulation-aligned quoting behavior consistent with Solvency II, NAIC RBC, and the EU AI Act.


Towards Urban Planing AI Agent in the Age of Agentic AI

arXiv.org Artificial Intelligence

Generative AI, large language models, and agentic AI have emerged separately of urban planning. However, the convergence between AI and urban planning presents an interesting opportunity towards AI urban planners. Existing studies conceptualizes urban planning as a generative AI task, where AI synthesizes land-use configurations under geospatial, social, and human-centric constraints and reshape automated urban design. We further identify critical gaps of existing generative urban planning studies: 1) the generative structure has to be predefined with strong assumption: all of adversarial generator-discriminator, forward and inverse diffusion structures, hierarchical zone-POI generative structure are predefined by humans; 2) ignore the power of domain expert developed tools: domain urban planners have developed various tools in the urban planning process guided by urban theory, while existing pure neural networks based generation ignore the power of the tools developed by urban planner practitioners. To address these limitations, we outline a future research direction agentic urban AI planner, calling for a new synthesis of agentic AI and participatory urbanism.


Trans-EnV: A Framework for Evaluating the Linguistic Robustness of LLMs Against English Varieties

arXiv.org Artificial Intelligence

Large Language Models (LLMs) are predominantly evaluated on Standard American English (SAE), often overlooking the diversity of global English varieties. This narrow focus may raise fairness concerns as degraded performance on non-standard varieties can lead to unequal benefits for users worldwide. Therefore, it is critical to extensively evaluate the linguistic robustness of LLMs on multiple non-standard English varieties. We introduce Trans-EnV, a framework that automatically transforms SAE datasets into multiple English varieties to evaluate the linguistic robustness. Our framework combines (1) linguistics expert knowledge to curate variety-specific features and transformation guidelines from linguistic literature and corpora, and (2) LLM-based transformations to ensure both linguistic validity and scalability. Using Trans-EnV, we transform six benchmark datasets into 38 English varieties and evaluate seven state-of-the-art LLMs. Our results reveal significant performance disparities, with accuracy decreasing by up to 46.3% on non-standard varieties. These findings highlight the importance of comprehensive linguistic robustness evaluation across diverse English varieties. Each construction of Trans-EnV was validated through rigorous statistical testing and consultation with a researcher in the field of second language acquisition, ensuring its linguistic validity. Our code and datasets are publicly available at https://github.com/jiyounglee-0523/TransEnV and https://huggingface.co/collections/jiyounglee0523/transenv-681eadb3c0c8cf363b363fb1.


What Media Frames Reveal About Stance: A Dataset and Study about Memes in Climate Change Discourse

arXiv.org Artificial Intelligence

Media framing refers to the emphasis on specific aspects of perceived reality to shape how an issue is defined and understood. Its primary purpose is to shape public perceptions often in alignment with the authors' opinions and stances. However, the interaction between stance and media frame remains largely unexplored. In this work, we apply an interdisciplinary approach to conceptualize and computationally explore this interaction with internet memes on climate change. We curate CLIMATEMEMES, the first dataset of climate-change memes annotated with both stance and media frames, inspired by research in communication science. CLIMATEMEMES includes 1,184 memes sourced from 47 subreddits, enabling analysis of frame prominence over time and communities, and sheds light on the framing preferences of different stance holders. We propose two meme understanding tasks: stance detection and media frame detection. We evaluate LLaVA-NeXT and Molmo in various setups, and report the corresponding results on their LLM backbone. Human captions consistently enhance performance. Synthetic captions and human-corrected OCR also help occasionally. Our findings highlight that VLMs perform well on stance, but struggle on frames, where LLMs outperform VLMs. Finally, we analyze VLMs' limitations in handling nuanced frames and stance expressions on climate change internet memes.