𝗔𝗖𝗘𝗜𝗧𝗘 𝗗𝗘 𝗖𝗕𝗗 𝖤𝗇 𝖾𝗅 𝗆𝖾𝗋𝖼𝖺𝖽𝗈 𝖽𝖾 𝖢𝖡𝖣, 𝗉𝗈𝖽𝖾𝗆𝗈𝗌 𝖾𝗇𝖼𝗈𝗇𝗍𝗋𝖺𝗋 𝖺𝖼𝖾𝗂𝗍𝖾𝗌 𝖽𝖾 𝖢𝖡𝖣 𝖼𝗈𝗇 𝗎𝗇𝖺 𝖼𝗈𝗇𝖼𝖾𝗇𝗍𝗋𝖺𝖼𝗂ó𝗇 𝗊𝗎𝖾 𝖼𝗈𝗆𝗂𝖾𝗇𝗓𝖺 𝖺𝗅𝗋𝖾𝖽𝖾𝖽𝗈𝗋 𝖽𝖾𝗅 1% 𝗁𝖺𝗌𝗍𝖺 𝗎𝗇𝖺 𝖼𝗈𝗇𝖼𝖾𝗇𝗍𝗋𝖺𝖼𝗂ó𝗇 𝖽𝖾 𝖢𝖡𝖣 𝖽𝖾 𝖺𝗉𝗋𝗈𝗑𝗂𝗆𝖺𝖽𝖺𝗆𝖾𝗇𝗍𝖾 𝖾𝗅 80%. 𝗟𝗮 𝗰𝗼𝗻𝗰𝗲𝗻𝘁𝗿𝗮𝗰𝗶ó𝗻 𝘀𝗶𝗴𝗻𝗶𝗳𝗶𝗰𝗮 𝗹𝗮 𝗰𝗮𝗻𝘁𝗶𝗱𝗮𝗱 𝗱𝗲 𝗶𝗻𝗴𝗿𝗲𝗱𝗶𝗲𝗻𝘁𝗲𝘀 𝗮𝗰𝘁𝗶𝘃𝗼𝘀 𝗱𝗲 𝗹𝗮 𝗽𝗹𝗮𝗻𝘁𝗮 𝗱𝗲 𝗰𝗮𝗻𝗻𝗮𝗯𝗶𝘀 𝗾𝘂𝗲 𝗿𝗲𝘀𝗶𝗱𝗲 𝗲𝗻 𝗲𝗹 𝗮𝗰𝗲𝗶𝘁𝗲 >> 𝗦𝗲 𝘁𝗿𝗮𝘁𝗮 𝗱𝗲 𝘂𝗻 𝗰𝗼𝗺𝗽𝘂𝗲𝘀𝘁𝗼 𝗻𝗮𝘁𝘂𝗿𝗮𝗹 𝗻𝗼 𝗽𝘀𝗶𝗰𝗼𝗮𝗰𝘁𝗶𝘃𝗼 𝗼 𝗽𝘀𝗶𝗰𝗼𝘁𝗿ó𝗽𝗶𝗰𝗼, 𝗰𝗼𝗻 𝘂𝗻 𝗽𝗼𝘁𝗲𝗻𝗰𝗶𝗮𝗹 𝘁𝗲𝗿𝗮𝗽é𝘂𝘁𝗶𝗰𝗼 𝗲𝗻𝗼𝗿𝗺𝗲 << ✔️𝑵𝒐 𝒑𝒔𝒊𝒄𝒐𝒂𝒄𝒕𝒊𝒗𝒐 (𝒏𝒐 𝒊𝒏𝒕𝒐𝒙𝒊𝒄𝒂 𝒐 𝒅𝒓𝒐𝒈𝒂) ✔️𝑺𝒊𝒏 𝒆𝒇𝒆𝒄𝒕𝒐𝒔 𝒔𝒆𝒄𝒖𝒏𝒅𝒂𝒓𝒊𝒐𝒔 𝒄𝒐𝒏𝒐𝒄𝒊𝒅𝒐𝒔 ✔️𝑪𝒐𝒏𝒕𝒓𝒂𝒓𝒓𝒆𝒔𝒕𝒂 𝒍𝒂 𝒑𝒔𝒊𝒄𝒐𝒂𝒄𝒕𝒊𝒗𝒊𝒅𝒂𝒅 𝒅𝒆𝒍 𝑻𝑯𝑪 ▪️𝗣𝗔𝗥𝗔 𝗤𝗨𝗘 𝗦𝗜𝗥𝗩𝗘 𝗘𝗟 𝗖𝗕𝗗: 𝖤𝗅 𝖺𝖼𝖾𝗂𝗍𝖾 𝖽𝖾 𝖼𝖺𝗇𝗇𝖺𝖻𝗂𝗌 𝗋𝗂𝖼𝗈 𝖾𝗇 𝖢𝖡𝖣 𝗌𝖾 𝗎𝗌𝖺 𝖼𝗈𝗆𝗈 𝖼𝗈𝗆𝗉𝗅𝖾𝗆𝖾𝗇𝗍𝗈 𝗈 𝗌𝗎𝗉𝗅𝖾𝗆𝖾𝗇𝗍𝗈 𝖺𝗅𝗂𝗆𝖾𝗇𝗍𝗂𝖼𝗂𝗈, 𝗋𝖾𝗆𝖾𝖽𝗂𝗈 𝗍ó𝗉𝗂𝖼𝗈 𝗈 𝗍𝗋𝖺𝗍𝖺𝗆𝗂𝖾𝗇𝗍𝗈 𝖿𝖺𝗋𝗆𝖺𝖼𝗈𝗅ó𝗀𝗂𝖼𝗈 𝗉𝖺𝗋𝖺 𝖾𝗅 𝖺𝗅𝗂𝗏𝗂𝗈 𝖽𝖾𝗅 𝖽𝗈𝗅𝗈𝗋 𝖼𝗋ó𝗇𝗂𝖼𝗈, 𝗅𝖺 𝗂𝗇𝖿𝗅𝖺𝗆𝖺𝖼𝗂ó𝗇 𝖾𝗇 𝖾𝗇𝖿𝖾𝗋𝗆𝖾𝖽𝖺𝖽𝖾𝗌 𝗂𝗇𝖿𝗅𝖺𝗆𝖺𝗍𝗈𝗋𝗂𝖺𝗌 𝗂𝗇𝗍𝖾𝗌𝗍𝗂𝗇𝖺𝗅𝖾𝗌 𝗈 𝖼𝗎𝗍á𝗇𝖾𝖺𝗌, 𝗅𝖺 𝖺𝗇𝗌𝗂𝖾𝖽𝖺𝖽, 𝗅𝖺 𝖽𝖾𝗉𝗋𝖾𝗌𝗂ó𝗇 𝗈 𝗅𝖺 𝗀𝗋𝖺𝗏𝖾𝖽𝖺𝖽 𝗒 𝖿𝗋𝖾𝖼𝗎𝖾𝗇𝖼𝗂𝖺 𝖽𝖾 𝗅𝖺𝗌 𝖼𝗈𝗇𝗏𝗎𝗅𝗌𝗂𝗈𝗇𝖾𝗌 𝖾𝗇 𝖾𝗉𝗂𝗅𝖾𝗉𝗌𝗂𝖺𝗌 𝗋𝖾𝖿𝗋𝖺𝖼𝗍𝖺𝗋𝗂𝖺𝗌 𝖲𝖾 𝖾𝗆𝗉𝗅𝖾𝖺 𝖺𝗌𝗂𝗆𝗂𝗌𝗆𝗈 𝗉𝖺𝗋𝖺 𝗍𝗋𝖺𝗍𝖺𝗋 𝗌í𝗇𝗍𝗈𝗆𝖺𝗌 𝖽𝖾 𝖾𝗇𝖿𝖾𝗋𝗆𝖾𝖽𝖺𝖽𝖾𝗌 𝗇𝖾𝗎𝗋𝗈𝗅ó𝗀𝗂𝖼𝖺𝗌 𝗈 𝗇𝖾𝗎𝗋𝗈𝗉𝗌𝗂𝗊𝗎𝗂á𝗍𝗋𝗂𝖼𝖺𝗌 𝖼𝗈𝗆𝗈 𝗅𝖺 𝖾𝗌𝖼𝗅𝖾𝗋𝗈𝗌𝗂𝗌 𝗆ú𝗅𝗍𝗂𝗉𝗅𝖾, 𝖾𝗅 𝖺𝗅𝗓𝗁é𝗂𝗆𝖾𝗋, 𝖾𝗅 𝗉á𝗋𝗄𝗂𝗇𝗌𝗈𝗇 𝗈 𝗅𝖺 𝖾𝗌𝗊𝗎𝗂𝗓𝗈𝖿𝗋𝖾𝗇𝗂𝖺. 𝖩𝗎𝗇𝗍𝗈 𝖼𝗈𝗇 𝖾𝗅 𝗈𝗍𝗋𝗈 𝖼𝖺𝗇𝗇𝖺𝖻𝗂𝗇𝗈𝗂𝖽𝖾 𝗆á𝗌 𝖾𝗌𝗍𝗎𝖽𝗂𝖺𝖽𝗈, 𝖾𝗅 𝖳𝖧𝖢, 𝗁𝖺 𝖽𝖾𝗆𝗈𝗌𝗍𝗋𝖺𝖽𝗈 𝗂𝗇𝖽𝗎𝖼𝗂𝗋 𝗅𝖺 𝗆𝗎𝖾𝗋𝗍𝖾 𝖽𝖾 𝖼é𝗅𝗎𝗅𝖺𝗌 𝖼𝖺𝗇𝖼𝖾𝗋𝗈𝗌𝖺𝗌 𝗂𝗇 𝗏𝗂𝗍𝗋𝗈 𝖾 𝗂𝗇 𝗏𝗂𝗏𝗈 𝖾𝗇 𝗆𝗈𝖽𝖾𝗅𝗈𝗌 𝖺𝗇𝗂𝗆𝖺𝗅𝖾𝗌, 𝗂𝗇𝗁𝗂𝖻𝗂𝖾𝗇𝖽𝗈 𝗅𝖺 𝗉𝗋𝗈𝗀𝗋𝖾𝗌𝗂ó𝗇 𝖽𝖾𝗅 𝗍𝗎𝗆𝗈𝗋 ▪️¿𝗤𝗨𝗘 𝗕𝗘𝗡𝗘𝗙𝗜𝗖𝗜𝗢𝗦 𝗔𝗣𝗢𝗥𝗧𝗔 𝗘𝗟 𝗖𝗕𝗗? • 𝖠𝗇𝖺𝗅𝗀é𝗌𝗂𝖼𝖺𝗌 • 𝖠𝗇𝗍𝗂𝗂𝗇𝖿𝗅𝖺𝗆𝖺𝗍𝗈𝗋𝗂𝖺𝗌 • 𝖠𝗇𝗌𝗂𝗈𝗅í𝗍𝗂𝖼𝖺𝗌 • 𝖠𝗇𝗍𝗂𝗍𝗎𝗆𝗈𝗋𝖺𝗅𝖾𝗌 • 𝖠𝗇𝗍𝗂𝖼𝗈𝗇𝗏𝗎𝗅𝗌𝗂𝗈𝗇𝖺𝗇𝗍𝖾𝗌 • 𝖠𝗇𝗍𝗂𝗉𝗌𝗂𝖼ó𝗍𝗂𝖼𝖺𝗌 • 𝖭𝖾𝗎𝗋𝗈𝗉𝗋𝗈𝗍𝖾𝖼𝗍𝗈𝗋𝖺𝗌 ▪️𝗙𝗢𝗥𝗠𝗔𝗧𝗢𝗦 𝗗𝗘 𝗖𝗕𝗗 𝗘𝗡 𝗘𝗟 𝗠𝗘𝗥𝗖𝗔𝗗𝗢: 𝖯𝗎𝖾𝖽𝖾 𝗍𝗈𝗆𝖺𝗋𝗌𝖾 𝗉𝗈𝗋 𝗏í𝖺 𝗈𝗋𝖺𝗅 𝖾𝗇 𝖼á𝗉𝗌𝗎𝗅𝖺𝗌 𝗈 𝖼á𝗉𝗌𝗎𝗅𝖺𝗌 𝖽𝖾 𝗀𝖾𝗅, 𝗉𝗈𝗋 𝗏í𝖺 𝗌𝗎𝖻𝗅𝗂𝗇𝗀𝗎𝖺𝗅 𝖾𝗇 𝖺𝖾𝗋𝗈𝗌𝗈𝗅 𝗈 𝖺𝗉𝗅𝗂𝖼𝖺𝗋𝗌𝖾 𝖽𝖾 𝗆𝖺𝗇𝖾𝗋𝖺 𝗍ó𝗉𝗂𝖼𝖺 𝗆𝖾𝖽𝗂𝖺𝗇𝗍𝖾 𝖼𝗋𝖾𝗆𝖺𝗌 𝗒 𝗌𝗂𝗆𝗂𝗅𝖺𝗋𝖾𝗌 𝖣𝗂𝖿𝖾𝗋𝖾𝗇𝗍𝖾𝗌 𝖼𝗈𝗇𝖼𝖾𝗇𝗍𝗋𝖺𝖼𝗂𝗈𝗇𝖾𝗌 𝗌𝖾𝗀ú𝗇 𝗅𝖺 𝖼𝖺𝗇𝗍𝗂𝖽𝖺𝗌 𝖽𝖾 𝗉𝗋𝗂𝗇𝖼𝗂𝗉𝗂𝗈 𝖺𝖼𝗍𝗂𝗏𝗈, 3%, 5%, 10%, 15%, 20%, 25%, 30%, 35%, 40% 𝗟𝗼 𝗾𝘂𝗲 𝗹𝗲 𝗽𝗿𝗼𝗽𝗼𝗿𝗰𝗶𝗼𝗻𝗮, 𝘀𝗲𝗴ú𝗻 𝗲𝘀𝘁𝘂𝗱𝗶𝗼𝘀 𝗰𝗹í𝗻𝗶𝗰𝗼𝘀, 𝘃𝗮𝗹𝗼𝗿 𝗼 𝗽𝗼𝘁𝗲𝗻𝗰𝗶𝗮𝗹 𝘁𝗲𝗿𝗮𝗽é𝘂𝘁𝗶𝗰𝗼 𝗽𝗮𝗿𝗮 𝗹𝗮𝘀 𝘀𝗶𝗴𝘂𝗶𝗲𝗻𝘁𝗲𝘀 𝗽𝗮𝘁𝗼𝗹𝗼𝗴í𝗮𝘀: ✔️ 𝖣𝗈𝗅𝗈𝗋 𝖼𝗋ó𝗇𝗂𝖼𝗈 ✔️ 𝖥𝗂𝖻𝗋𝗈𝗆𝗂𝖺𝗅𝗀𝗂𝖺 ✔️ 𝖤𝗇𝖿𝖾𝗋𝗆𝖾𝖽𝖺𝖽𝖾𝗌 𝗂𝗇𝖿𝗅𝖺𝗆𝖺𝗍𝗈𝗋𝗂𝖺𝗌 𝖺𝗎𝗍𝗈𝗂𝗇𝗆𝗎𝗇𝖾𝗌, 𝖼𝗈𝗆𝗈 𝗅𝖺 𝖺𝗋𝗍𝗋𝗂𝗍𝗂𝗌 ✔️ 𝖢á𝗇𝖼𝖾𝗋: 𝗍𝗎𝗆𝗈𝗋𝖾𝗌 𝖼𝖾𝗋𝖾𝖻𝗋𝖺𝗅𝖾𝗌 (𝗀𝗅𝗂𝗈𝗆𝖺𝗌), 𝖽𝖾 𝗉𝗂𝖾𝗅 (𝗆𝖾𝗅𝖺𝗇𝗈𝗆𝖺 𝗒 𝖼𝖺𝗋𝖼𝗂𝗇𝗈𝗆𝖺 𝖼𝗎𝗍á𝗇𝖾𝗈𝗌), 𝖽𝖾 𝗆𝖺𝗆𝖺, 𝖽𝖾 𝗉á𝗇𝖼𝗋𝖾𝖺𝗌, 𝖽𝖾 𝗁í𝗀𝖺𝖽𝗈 𝗒 𝖽𝖾 𝗉𝗋ó𝗌𝗍𝖺𝗍𝖺, 𝖾𝗇𝗍𝗋𝖾 𝗈𝗍𝗋𝗈𝗌; 𝖾𝗇 𝖾𝗅 𝗍𝗋𝖺𝗍𝖺𝗆𝗂𝖾𝗇𝗍𝗈 𝗉𝖺𝗅𝗂𝖺𝗍𝗂𝗏𝗈, 𝗆𝖾𝗃𝗈𝗋𝖺 𝗌í𝗇𝗍𝗈𝗆𝖺𝗌 𝖽𝖾 𝗅𝖺 𝗊𝗎𝗂𝗆𝗂𝗈𝗍𝖾𝗋𝖺𝗉𝗂𝖺 𝖼𝗈𝗆𝗈 𝖽𝗈𝗅𝗈𝗋𝖾𝗌 𝖿í𝗌𝗂𝖼𝗈𝗌, 𝗇á𝗎𝗌𝖾𝖺𝗌, 𝗏ó𝗆𝗂𝗍𝗈𝗌 𝖾 𝗂𝗇𝗌𝗈𝗆𝗇𝗂𝗈 ✔️𝖠𝗇𝗌𝗂𝖾𝖽𝖺𝖽, 𝖾𝗌𝗍𝗋é𝗌 𝗒 𝖽𝖾𝗉𝗋𝖾𝗌𝗂ó𝗇 ✔️𝖳𝗋𝖺𝗌𝗍𝗈𝗋𝗇𝗈𝗌 𝗇𝖾𝗎𝗋𝗈𝗅ó𝗀𝗂𝖼𝗈𝗌: 𝖾𝗇𝖿𝖾𝗋𝗆𝖾𝖽𝖺𝖽 𝖽𝖾 𝖠𝗅𝗓𝗁𝖾𝗂𝗆𝖾𝗋 (𝖤𝖠), 𝖽𝖾𝗆𝖾𝗇𝖼𝗂𝖺, 𝖾𝗇𝖿𝖾𝗋𝗆𝖾𝖽𝖺𝖽 𝖽𝖾 𝖯𝖺𝗋𝗄𝗂𝗇𝗌𝗈𝗇 (𝖤𝖯) 𝗒 𝗈𝗍𝗋𝗈𝗌 𝗍𝗋𝖺𝗌𝗍𝗈𝗋𝗇𝗈𝗌 𝖽𝖾𝗅 𝗆𝗈𝗏𝗂𝗆𝗂𝖾𝗇𝗍𝗈, 𝖾𝗌𝖼𝗅𝖾𝗋𝗈𝗌𝗂𝗌 𝗆ú𝗅𝗍𝗂𝗉𝗅𝖾, 𝖾𝗉𝗂𝗅𝖾𝗉𝗌𝗂𝖺 𝗋𝖾𝖿𝗋𝖺𝖼𝗍𝖺𝗋𝗂𝖺 𝗈 𝖺𝖼𝖼𝗂𝖽𝖾𝗇𝗍𝖾 𝖼𝖾𝗋𝖾𝖻𝗋𝗈𝗏𝖺𝗌𝖼𝗎𝗅𝖺𝗋 (𝖠𝖢𝖵) ✔️𝖤𝗇𝖿𝖾𝗋𝗆𝖾𝖽𝖺𝖽𝖾𝗌 𝗇𝖾𝗎𝗋𝗈𝗉𝗌𝗂𝗊𝗎𝗂á𝗍𝗋𝗂𝖼𝖺𝗌: 𝖾𝗌𝗊𝗎𝗂𝗓𝗈𝖿𝗋𝖾𝗇𝗂𝖺, 𝖺𝗎𝗍𝗂𝗌𝗆𝗈, 𝗍𝗋𝖺𝗌𝗍𝗈𝗋𝗇𝗈 𝗉𝗈𝗋 𝖽é𝖿𝗂𝖼𝗂𝗍 𝖽𝖾 𝖺𝗍𝖾𝗇𝖼𝗂ó𝗇 𝖼𝗈𝗇 𝗁𝗂𝗉𝖾𝗋𝖺𝖼𝗍𝗂𝗏𝗂𝖽𝖺𝖽 (𝖳𝖣𝖠𝖧), 𝗍𝗋𝖺𝗌𝗍𝗈𝗋𝗇𝗈 𝗉𝗈𝗋 𝖾𝗌𝗍𝗋é𝗌 𝗉𝗈𝗌𝗍𝗋𝖺𝗎𝗆á𝗍𝗂𝖼𝗈 (𝖳𝖤𝖯𝖳) 𝗒 𝖺𝗅𝖼𝗈𝗁𝗈𝗅𝗂𝗌𝗆𝗈 ✔️𝖲í𝗇𝖽𝗋𝗈𝗆𝖾 𝗆𝖾𝗍𝖺𝖻ó𝗅𝗂𝖼𝗈: 𝗈𝖻𝖾𝗌𝗂𝖽𝖺𝖽 𝗒 𝖽𝗂𝖺𝖻𝖾𝗍𝖾𝗌 ✔️𝖣𝖾𝗌ó𝗋𝖽𝖾𝗇𝖾𝗌 𝖼𝖺𝗋𝖽𝗂𝗈𝗏𝖺𝗌𝖼𝗎𝗅𝖺𝗋𝖾𝗌 ✔️𝖤𝗇𝖿𝖾𝗋𝗆𝖾𝖽𝖺𝖽𝖾𝗌 𝗂𝗇𝖿𝗅𝖺𝗆𝖺𝗍𝗈𝗋𝗂𝖺𝗌 𝗂𝗇𝗍𝖾𝗌𝗍𝗂𝗇𝖺𝗅𝖾𝗌 (𝖤𝖨𝖨): 𝖾𝗇𝖿𝖾𝗋𝗆𝖾𝖽𝖺𝖽 𝖽𝖾 ✔️𝖢𝗋𝗈𝗁𝗇 𝗒 𝖼𝗈𝗅𝗂𝗍𝗂𝗌 𝗎𝗅𝖼𝖾𝗋𝗈𝗌𝖺 ✔️𝖤𝗇𝖿𝖾𝗋𝗆𝖾𝖽𝖺𝖽𝖾𝗌 𝗂𝗇𝖿𝗅𝖺𝗆𝖺𝗍𝗈𝗋𝗂𝖺𝗌 𝖼𝗋ó𝗇𝗂𝖼𝖺𝗌 𝖽𝖾 𝗅𝖺 𝗉𝗂𝖾𝗅: 𝖽𝖾𝗋𝗆𝖺𝗍𝗂𝗍𝗂𝗌, 𝗉𝗌𝗈𝗋𝗂𝖺𝗌𝗂𝗌 𝗒 𝖺𝖼𝗇é