Upstream actuarialmath: MIT, copyright Terence Lim, retained in evidence ZIP. GERO audit scripts and report: MIT, Xamit Kadirbekov. Video uses original GERO graphics and synthetic Microsoft en-US-JennyNeural via edge-tts, rate -3%. The edge-tts client is open source; Microsoft online synthesis is not a local open model. No music, cloned voice or third-party footage.