I gave the same article to Claude 3.5 Sonnet and the result seems reasonably similar to the author's handwritten summary.

```
This article examines the governance of Dutch pension funds in light of the Future of Pensions Act (Wtp). The new legislation shifts towards more complete pension contracts and emphasizes operational execution, necessitating changes in pension fund governance. The authors propose strengthening pension funds' internal organization, improving accountability to participants, and enhancing the powers of participant representation bodies.
Key recommendations include establishing a recognizable governance structure with clear responsibilities, creating a College of Stakeholders (CvB) to replace existing accountability bodies, and granting the CvB more authority, including appointment and dismissal powers. The proposals aim to balance the interests of social partners, pension funds, and participants while ensuring transparency and effective oversight.
The article emphasizes principles such as transparency, trust, loyalty, and prudence in shaping governance reforms. It also discusses the impact of digitalization (DORA), the need for pension funds to demonstrate value, and the potential for further consolidation in the sector. International perspectives, including insights from the World Bank, inform the proposed governance improvements.
These changes are designed to help pension funds adapt to the new system, manage risks effectively, and maintain their "license to operate" in a changing landscape.
```

Similarly, the second article's summary also captures the key points that the author points out (emphasis mine).

```
The article "Regulating pensions: Why the European Union matters" explores the growing influence of EU law on pension regulation. While Member States retain primary responsibility for pension provision, the authors argue that EU law significantly impacts national pension systems through both direct and indirect means.
The paper begins by examining the EU's institutional framework regarding pensions, focusing on the principles of subsidiarity and the division of powers between the EU and Member States. It emphasizes that the EU can regulate pension matters when the Internal Market's functioning is at stake, despite lacking specific regulatory competencies for pensions. The authors note that the subsidiarity principle has not proven to be an obstacle for EU action in this area.
The article then delves into EU substantive law and its impact on pensions, concentrating on the concept of Services of General Economic Interest (SGEI) and its role in classifying pension fund activities as economic or non-economic. The authors discuss the case law of the Court of Justice of the European Union (CJEU), highlighting its importance in determining when pension schemes fall within the scope of EU competition law. They emphasize that the CJEU's approach is based on the degree of solidarity in the scheme and the extent of state control.
**
The paper examines the IORP Directive, outlining its current scope and limitations. The authors argue that the directive is unclear and leads to distortions in the internal market, particularly regarding the treatment of pay-as-you-go schemes and book reserves. They propose a new regulatory framework that distinguishes between economic and non-economic pension activities.
For non-economic activities, the authors suggest a soft law approach using a non-binding code or communication from the European Commission. This would outline the basic features of pension schemes based on solidarity and the conditions for exemption from EU competition rules. For economic activities, they propose a hard law approach following the Lamfalussy technique, which would provide detailed regulations similar to the Solvency II regime but tailored to the specifics of IORPs (Institutions for Occupational Retirement Provision).
**
The authors conclude that it's impossible to categorically state whether pensions are a national or EU competence, as decisions must be made on a case-by-case basis. They emphasize the importance of considering EU law when drafting national pension legislation and highlight the need for clarity in the division of powers between the EU and Member States regarding pensions.
Overall, the paper underscores the complex interplay between EU law and national pension systems, calling for a more nuanced understanding of the EU's role in pension regulation and a clearer regulatory framework that respects both EU and national competencies.
```

I'd bet that the author used GPT 3.5-turbo (aka the free version of ChatGPT) and did not give any particular prompting help. To create these, I asked Claude to create a prompt for summarization with chain of thought revision, used that prompt, and returned the result. Better models with a little bit more inference time compute go a long way.