Experience rates and credibility, the lapse GLM, and pricing/valuation (BasicTerm, Solvency II life SCR, IFRS 17 CSM) of the synthetic in-force term book, computed live with scelo 0.1.0 on intelligentactuaries/synthetic-lapse-surrender-study-2023-2025. Embedded by intelligentactuaries/lapse-surrender-study-scelo. Acknowledges the SOA Research Institute and LIMRA 2023-2025 data request; synthetic data, not SOA or LIMRA data.