INTRODUÇÃO À ECONOMIA - repositorio.unicentro.br:8080repositorio.unicentro.br:8080/jspui/bitstream/123456789/1247/9/OLI… · A disciplina Introdução à Economia, que estamos

INTRODUCcedilAtildeO Agrave ECONOMIAPROFESSOR ANDERSON LUIZ DE OLIVEIRA

Caros alunos

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IacuteNDICE

O SIGNIFICADO DE ECONOMIA

Caro estudante nesta primeira Unidade do livro de Introduccedilatildeo agrave Economia faremos uma abordagem de alguns conceitos que consideramos baacutesicos no estudo da Economia aleacutem de apresentarmos temas variados sobre o funcionamento do sistema econocircmico que devido agrave escassez precisa tomar decisotildees corretas sob pena de todos perdermos Atualmente com a velocidade das transformaccedilotildees e a reduccedilatildeo das distacircncias o mundo ficou mais proacuteximo e com isso os problemas afligem a todos com maior rapidez

Nos dias de hoje quando andamos pela cidade percebemos grande movimento no comeacutercio Centenas de pessoas enchem as lojas despertando contentamento enorme nos vendedores Os compradores tambeacutem demonstram parecer contentes pois as lojas oferecem uma infinidade de produtos desde roupas de todos os tipos ateacute equipamentos eletrocircnicos mais sofisticados de modo a satisfazer a todos os gostos

Veja que essa variedade de bens satisfaz a vontade do consumidor desde o mais exigente e mais rico ateacute o menos exigente e com menor poder de compra O importante eacute que muitos produtos milhares de pessoas podem comprar todos os dias Essa cena pode ser vista em qualquer cidade do Brasil e do mundo

CONCEITOS FUNDAMENTAIS DA ECONOMIA

NOTASA disciplina Introduccedilatildeo agrave Economia que estamos iniciando se interessa em grande medida por essas coisas ditas comuns Entatildeo matildeos agrave obra

No Seacuteculo XIX Alfred Marshall disse que a Economia procura estudar os negoacutecios comuns da vida da humanidade Por negoacutecios comuns podemos entender as cenas comuns da vida econocircmica

Mas o que vem a ser a Economia Como funciona nosso sistema econocircmicoQuandoe por que o sistema econocircmico entra em criseocasionando mudanccedilas de comportamento das pessoas e empresas Vocecirc saberia responder

Alfred Marshall (1842-1924) Considerado um pensador da economia com contribuiccedilotildees agraves teorias da demanda e da utilidade Matemaacutetico se dedicou aos estudos econocircmicos e lecionou Economia na Universidade de Cambridge Seu livro Princiacutepios de Economia Poliacutetica lanccedilado no final do seacuteculo XIX influenciou o desenvolvimento de novas pesquisas e deixou marcas nos ensinamentos da Economia Neoclaacutessica no seacuteculo XX (HUNT 2005)

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NOTASEtimologicamente a palavra ldquoeconomiardquo vem dos termos gregos oikoacutes (casa) e nomos (norma lei) Pode ser compreendida como ldquoadministraccedilatildeo da casardquo pois administrar uma casa eacute algo bastante comum na vida das pessoas Portanto eacute interessante essa aproximaccedilatildeo do mundo da casa com o mundo da economia

Em outras palavras podemos dizer que a Economia estuda a maneira como se administram os recursos disponiacuteveis com o objetivo de produzir bens e serviccedilos e como distribuiacute-los para seu consumo entre os membros da sociedade

Agora eacute sua vez Faccedila uma reflexatildeo a partir de como vocecirc e sua famiacutelia tomam decisotildees no dia a dia Que tarefas cada membro deve desempenhar e o que cada um vai receber em troca Quem vai preparar o almoccedilo e o jantar Quem vai lavar e passar Que aparelho de televisatildeo vai ser comprado Que carro vai ser adquirido Onde passar as feacuterias de final de ano Quem vai Onde vai ficar

Segundo Nicholas Gregory Mankiw (2005 p 3) ldquo[] cada famiacutelia precisa alocar seus recursos escassos a seus diversos membros levando em consideraccedilatildeo as habilidades esforccedilos e desejos de cada umrdquo

Cabe observar que aleacutem das habilidades os recursos produtivos ou fatores de produccedilatildeo satildeo elementos tambeacutem utilizados no processo de fabricaccedilatildeo dos mais variados tipos de bens (mercadorias) e utilizados para satisfazer agraves necessidades humanas

Nicholas Gregory Mankiw ndash Um dos maiores economistas dos EUA e professor da Universidade de Harvard

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NOTASO que vocecirc entende por necessidade humana

Isso mesmo A necessidade humana envolve a sensaccedilatildeo da falta de alguma coisa unida ao desejo de satisfazecirc-la Acreditamos que todas as pessoas sentem necessidade de adquirir alguma coisa sentem desejo tanto por alimentos aacutegua e ar quanto por bens de consumo como comprar sapatos sabonete televisatildeo computador geladeira etc

Da mesma forma que uma famiacutelia precisa satisfazer suas necessidades uma sociedade tambeacutem precisa fazer o mesmo Aliaacutes precisa definir o que produzir para quem produzir quando produzir e quanto produzir Em linhas gerais a sociedade precisa gerenciar bem seus recursos principalmente se considerarmos que estes de maneira geral satildeo escassos

EXPLICACcedilAtildeO SOBRE O SENTIDO DE ESCASSEZNA ECONOMIA

Assim como uma famiacutelia natildeo pode ter todos os bens que deseja ou seja dar aos seus membros todos os produtos e serviccedilos que desejam uma sociedade tambeacutem natildeo pode fazer o mesmo A razatildeo para que isso aconteccedila estaacute na escassez isto eacute quando os recursos satildeo limitados em termos de quantidade disponiacutevel para uso imediato

Assim a Economia tem sido entendida como o estudo de como a sociedade administra seus recursos escassos embora haja quem discorda desse argumento

Ainda que possamos estudar Economia de muitas maneiras existem algumas ideias que se tornam centrais nesta disciplina consideradas como princiacutepios baacutesicos de Economia por parte de alguns economistas Portanto

NOTASpara poder compreender Economia eacute bom saber mais sobre o sentido da ciecircncia econocircmica

Segundo Mankiw (2005) natildeo haacute nada de misterioso sobre o que vem a ser uma economia Em qualquer parte do mundo uma economia refere-se a um grupo de pessoas que interagem entre si e dessa forma vatildeo levando a vida

Diante disso podemos imaginar que a primeira coisa que precisamos entender quando se quer compreender uma economia eacute saber como satildeo tomadas as decisotildees

TOMADA DE DECISOtildeES

O processo de tomada de decisatildeo envolve quatro princiacutepios

bull Primeiro as pessoas precisam fazer escolhas e essas escolhas natildeo satildeo de graccedila Elas precisam ser feitas tendo em vista que os recursos satildeo escassos Natildeo eacute possiacutevel atender a todas as necessidades de maneira ilimitada Portanto a sociedade precisa fazer suas escolhas assim como os indiviacuteduos

bull Segundo o custo real de alguma coisa eacute o que o indiviacuteduo deve despender para adquiri-lo ou seja o custo de um produto ou serviccedilo refere-se agravequilo que tivemos que desistir para conseguir compensar com outra coisa

bull Terceiro pessoas satildeo consideradas racionais e por isso elas pensam nos pequenos ajustes incrementais de todas as suas

NOTASdecisotildees nos ganhos adquiridos em funccedilatildeo das suas escolhas Isto significa que as pessoas e empresas podem melhorar seu processo de decisatildeo pensando na margem Portanto um tomador de decisatildeo considerado racional deve executar uma accedilatildeo se e somente se o resultado dos benefiacutecios marginais forem superiores aos seus custos MARGINAIS

bull Quarto as pessoas reagem a estiacutemulos Como elas tomam suas decisotildees levando em conta os benefiacutecios e seus custos qualquer alteraccedilatildeo nessas variaacuteveis pode alterar o comportamento da sua decisatildeo Assim qualquer incentivo que ocorra pode alterar a conduta do tomador de decisotildees Nota-se que os formuladores de poliacuteticas puacuteblicas fazem bastante uso deste princiacutepio

FUNCIONAMENTO DAS ECONOMIAS

A questatildeo baacutesica que norteia o processo econocircmico implica em como as pessoas interagem ou seja como as economias funcionam Logo a partir desse princiacutepio podemos compreender que o comeacutercio pode ser bom para todos os agentes os mercados satildeo geralmente bons organizadores da atividade econocircmica os mercados agraves vezes falham e por isso os governos podem melhorar os resultados do mercado atraveacutes de uma eficiente administraccedilatildeo puacuteblica Portanto o desenvolvimento econocircmico e a expansatildeo das atividades econocircmicas de um paiacutes satildeo pontos fundamentais para entender como funciona sua economia

O padratildeo de vida das pessoas depende da sua capacidade de produzir bens e serviccedilos

NOTASNa realidade a ideia de que haacute ganhos com o comeacutercio foi introduzida na Economia de forma mais bem elaborada em 1776 por Adam Smith Isto aumenta a produtividade do sistema e consequentimente a quantidade de bens e serviccedilos agrave disposiccedilatildeo das pessoas

Dessa forma temos mais comeacutercio mais desenvolvimento dos lugares e das pessoas Vocecirc concorda

Em economias centralizadas satildeo os planejadores que estabelecem quanto vai ser produzido e o que vai ser consumido Dessa forma apenas o governo atraveacutes do oacutergatildeo de planejamento pode organizar a atividade econocircmica de maneira a oferecer e atender a todas as demandas eventualmente estabelecidas pela populaccedilatildeo

Veja que em economias de mercado essa funccedilatildeo de estabelecer o quanto e como produzir eacute atribuiccedilatildeo do mercado ou seja as decisotildees do planejador central satildeo substituiacutedas pelas decisotildees de milhares de pessoas e empresas Diante disso o mercado eacute considerado na maioria das vezes

Adan Smith nasceu em Junho de 1723 faleceu em 1790 com 67 anos de idade Considerado um grande filoacutesofo e economista ndash o maior dos claacutessicos e o pai da Ciecircncia Econocircmica Em 1776 publico o livro A Teoria dos Sentimentos Morais um dos mais influentes livros de teoria moral e econocircmica do mundo

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NOTASa melhor forma para destinar os recursos escassos Poreacutem agraves vezes ele falha nesse processo de destinar de maneira eficiente os recursos e fazer a distribuiccedilatildeo equitativa de seu produto e quando isso acontece o governo precisa intervir na economia

Atenccedilatildeo Quando os mercados natildeo estatildeo alcanccedilando a eficiecircncia econocircmica e a equidade na distribuiccedilatildeo de renda a intervenccedilatildeo do governo deve ocorrer

Podemos dizer que a questatildeo da capacidade de produzir bens e serviccedilos estaacute relacionada ao niacutevel de produtividade do paiacutes Para Romer (2002) o que explica as grandes diferenccedilas de padratildeo de vida entre os paiacuteses ao longo do tempo eacute a diferenccedila de produtividade entre eles Logo onde a produtividade das pessoas eacute maior ou seja produzem mais bens e serviccedilos em menos tempo o padratildeo de vida eacute maior

BENS E SERVICcedilOS

De um modo geral o objetivo de toda e qualquer induacutestria eacute produzir bens e serviccedilos para vendecirc-los e obter lucros Mas o que vocecirc entende por bens E por serviccedilos

Podemos dizer de forma global que bem eacute tudo aquilo que permite satisfazer agraves necessidades humanas Os bens podem ser

NOTASbull Bens livres aqueles cuja a quantidade eacute ilimitada e podem ser obtidos sem nenhum esforccedilo na natureza Por exemplo a luz solar o ar o mar Esses bens natildeo possuem preccedilos

bull Bens econocircmicos satildeo relativamente escassos tecircm valor no mercado e supotildeem a ocorrecircncia de esforccedilo humano para obtecirc-lo Por exemplo um carro um computador etc

Os bens econocircmicos satildeo classificados em dois grupos

bull Bensmateriais como o proacuteprio nome jaacute diz satildeo todos aqueles de natureza material que podem ser estocados e satildeo tangiacuteveis tais como roupas alimentos livros televisatildeo etc

bull Bens imateriais ou serviccedilos consideramos aqui tudo que eacute intangiacutevel Por exemplo serviccedilo de um meacutedico consultoria de um economista ou serviccedilo de um advogado que acabam no mesmo momento de produccedilatildeo e natildeo podem ser estocados

Os bens materiais classificam-se em

bull Bens de consumo satildeo aqueles usados diretamente para a satisfaccedilatildeo das necessidades humanas Estes bens podem ser 1048678 de consumo duraacutevel tais como carros moacuteveis eletrodomeacutesticos e de consumo natildeo duraacutevel como por exemplo gasolina alimentos cigarro

NOTASbull Bensdecapital satildeo todos os bens utilizados no processo produtivo ou seja bens de capital que permitem produzir outros bens Por exemplo equipamentos computadores edifiacutecios instalaccedilotildees etc

Tanto os bens de consumo quanto os bens de capital satildeo classificados como

bull Bensfinais satildeo bens acabados pois jaacute passaram por todas as etapas de transformaccedilatildeo possiacuteveis

bull Bens intermediaacuterios consistem nos bens que ainda estatildeo inacabados que precisam ser transformados para atingir a sua finalidade principal Por exemplo accedilo vidro e borracha usados na produccedilatildeo de carros

Os bens podem ser classificados ainda em

bull Bens puacuteblicos satildeo bens natildeo exclusivos e natildeo disputaacuteveis Referem-se ao conjunto de bens fornecidos pelo setor puacuteblico tais como transporte seguranccedila e justiccedila

bull Bensprivados satildeo bens exclusivos e disputaacuteveis Satildeo produzidos e possuiacutedos privadamente como por exemplo televisatildeo carro computador etc

NOTASPodemos dizer entatildeo que bem eacute tudo o que tem utilidade para satisfazer uma necessidade ou suprir uma carecircncia enquanto o serviccedilo implica numa atividade intangiacutevel que proporciona um benefiacutecio sem resultar na posse de algo

AGENTES ECONOcircMICOS

Os agentes econocircmicos satildeo pessoas de natureza fiacutesica ou juriacutedica que atraveacutes de suas accedilotildees contribuem para o funcionamento do sistema econocircmico tanto capitalista quanto socialista Podem ser

bull Empresas agentes encarregados de produzir e comercializar bens e serviccedilos ligados por sistemas de informaccedilatildeo e influenciados por um ambiente externo A produccedilatildeo se daacute pela combinaccedilatildeo dos fatores produtivos adquiridos junto agraves famiacutelias As decisotildees da empresa satildeo todas guiadas para o objetivo de conseguir o maacuteximo de lucro e mais investimentos

bull Famiacutelia inclui todos os indiviacuteduos e unidades familiares da economia e que no papel de consumidores adquirem os mais diversos tipos de bens e serviccedilos objetivando o atendimento de suas necessidades Por outro lado satildeo as famiacutelias os proprietaacuterios dos recursos produtivos e que fornecem agraves empresas os diversos fatores de produccedilatildeo tais como trabalho terra capital e capacidade empresarial Recebem em troca como pagamento salaacuterios alugueacuteis juros e lucros e eacute com essa renda que compram os bens e serviccedilos produzidos pelas empresas O que sempre as famiacutelias buscam eacute a maximizaccedilatildeo da satisfaccedilatildeo de suas necessidades

NOTASbull Governo inclui todas as organizaccedilotildees que direta ou indiretamente estatildeo sob o controle do Estado nas suas esferas federais estaduais ou municipais Vez por outra o governo atua no sistema econocircmico produzindo bens e serviccedilos atraveacutes por exemplo da Petrobraacutes das Empresas de Correios etc

Portanto tanto as empresas quanto as famiacutelias e os governos se interagem o tempo todo dando o toque econocircmico de onde resultam as mais diversas explicaccedilotildees

Conceitos de Economia Sobre o assunto leia mais detalhes na obra Histoacuterias do pensamento econocircmico ndash de Stanley L Brue

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O OBJETIVO DA ANAacuteLISE ECONOcircMICA

Nesta Unidade vocecirc vai conhecer como funciona o sistema econocircmico seus principais indicadores como eacute feita a mensuraccedilatildeo das atividades econocircmicas e ainda os aspectos fundamentais da Microeconomia e da Macroeconomia Eacute importante que depois de ler esta Unidade vocecirc entenda como funcionam o sistema econocircmico e uma economia de mercado centralizada Assim poderaacute distinguir as diferenccedilas existentes entre as estruturas de mercado entender a importacircncia do conceito Produto Interno Bruto e por fim conhecer o Iacutendice de Desenvolvimento Humano

Comumente noacutes falamos e pensamos em economia com frequecircncia A economia consiste em milhotildees de pessoas envolvidas em vaacuterias atividades como comprar vender trabalhar contratar fabricar produzir distribuir alocar etc

Diariamente milhotildees de pessoas participam de milhares de trocas em todos os lugares Se ocorrem milhares de trocas eacute sinal de que milhotildees de pessoas em algum lugar estatildeo produzindo para milhotildees de pessoas O objetivo da anaacutelise econocircmica eacute explicar o que faz com que a economia

MENSUR ACcedilAtildeO DA ATIVIDADE ECONOcircMICA

NOTASmundial e suas diversas partes funcionem do jeito que o fazemVeja que quanto mais aprendemos e analisamos a respeito das

relaccedilotildees e do comportamento econocircmico moderno maior capacidade temos de direcionar nossas energias para a produccedilatildeo de bens e serviccedilos que venham a proporcionar maior niacutevel de satisfaccedilatildeo para toda a sociedade

Segundo Thompson e Formby (1998) o desafio analiacutetico da economia eacute enorme e complexo tendo-se em vista o conjunto de relaccedilotildees e interaccedilotildees que a cada minuto satildeo feitas pelo mundo

Considere que nos diversos paiacuteses do mundo as pessoas estatildeo tomando bilhotildees de decisotildees entre gastar seu dinheiro com as diferentes coisas de que necessitam e as que desejam Em toda parte empresas de todos os tipos e portes estatildeo decidindo a respeito de quanto e quais bens e serviccedilos produzir e que tecnologias e recursos utilizar para ofertaacute-los Todos os tipos de agecircncias governamentais e instituiccedilotildees sem fins lucrativos estatildeo coletando impostos e solicitando doaccedilotildees para fornecer bens e serviccedilos ao puacuteblico e a grupos especiais como os pobres os idosos e os desempregados (THOMPSON JR FORMBY 1998 p 1)

Eacute bom lembrarmos que o grande desafio da anaacutelise econocircmica eacute dar um sentido uma loacutegica a todas essas decisotildees e por conseguinte propiciar o entendimento das consequecircncias no conjunto da economia A abordagem comumente utilizada pelos analistas para dar sentido a todo esse conjunto de comportamento econocircmico diaacuterio envolve alguns procedimentos como

bull Tentar descobrir por que os eventos econocircmicos ocorrem de uma determinada forma

bull Analisar fatos econocircmicos confiaacuteveis para tentar estabelecer relaccedilotildees de causa e efeito mais ou menos plausiacuteveis

bull Apresentar teorias econocircmicas formais e

bull Construir MODELOS ECONOcircMICOS

Sendo assim para melhor entendermos e analisarmos o mundo econocircmico contamos com economistas que buscam simplificar esse mundo real complexo atraveacutes do uso de modelos Os economistas empregam modelos (simplificaccedilatildeo da realidade) para descrever as relaccedilotildees econocircmicas Para isso ocorrer com seriedade os estudiosos fazem uso do MEacuteTODO CIENTIacuteFICO apresentando suas teorias e seus modelos Os meacutetodos representam exatamente um caminho que se deve percorrer quando se busca o conhecimento embora ele por si soacute natildeo garanta que se alcance a verdade Logo podemos dizer que o meacutetodo serve para que o conhecimento seja alcanccedilado jaacute que o conhecimento requer esforccedilo para ser alcanccedilado

Enquanto vocecirc estaacute lendo este livro deve estar pensando ldquoafinal o que eacute esse tal de sistema econocircmico Como isso funcionardquo

Conforme chamam a atenccedilatildeo os professores Hall e Lieberman (2003)

NOTASneste momento aparentemente iacutentimo vocecirc estaacute acoplado ao mundo real por caminhos nunca antes imaginados Por exemplo para que vocecirc possa ler este material primeiramente foi preciso que os autores escrevessem Na sequecircncia foi necessaacuterio sua motivaccedilatildeo e empenho para lecirc-lo Outro fator acoplado neste cenaacuterio diz respeito agrave equipe envolvida no processo tais como o pessoal da adaptaccedilatildeo de linguagem o revisor de portuguecircs o diagramador a comissatildeo editorial o pessoal da graacutefica da embalagem e a turma da distribuiccedilatildeo

Observe que satildeo diversas pessoas participantes do processo de criaccedilatildeo e distribuiccedilatildeo deste livro Aleacutem das pessoas envolvidas tivemos tambeacutem incorporado ao processo de produccedilatildeo deste material uma quantidade de papel e tinta caixas computadores impressoras transporte combustiacutevel etc Note que estamos falando de um conjunto de pessoas e materiais que estiveram envolvidos na produccedilatildeo do material que estaacute agora em suas matildeos propiciando a vocecirc conhecer melhor como funciona o SISTEMA ECONOcircMICO

Nesse mesmo caminho observe a cadeira ou banco no qual vocecirc estaacute sentado agora observe o espaccedilo fiacutesico que vocecirc se encontra Veja que apesar desse isolamento momentacircneo em que vocecirc se encontra ao estar folheando este material vocecirc estaacute economicamente ligado a milhares de pessoas por centenas de caminhos que se comunicam atraveacutes da produccedilatildeo e da distribuiccedilatildeo dos produtos e serviccedilos aqui consumidos por vocecirc

As perguntas que lhe fazemos neste momento satildeo por que tantos bens e serviccedilos que ora consumimos satildeo produzidos por outras pessoas Por que somos tatildeo dependentes uns dos outros no que se refere ao bem-estar material Por que natildeo vivemos como Robinson Crusoeacute

As respostas a todas essas indagaccedilotildees dizem respeito ao sistema econocircmico Na maioria das vezes nos apropriamos de coisas que o sistema econocircmico nos oferece mas natildeo damos a menor importacircncia sobre como essas coisas chegaram ateacute noacutes

Vamos falar do filme para contextualizar o questionamento anterior o filme de Robinson Crusoeacute (Las Aventuras de Robinson Crusoe MeacutexicoEUA 1952) com a direccedilatildeo de Luis Buntildeuel observeou que enredo se passa em 1659 quando o naacuteufrago inglecircs Robinson Crusoeacute vai parar numa ilha tropical aparentemente deserta na qual luta sozinho para prover sua subsistecircncia ateacute encontrar o nativo a quem batiza de Sexta-Feira O filme mostra uma realidade onde nossas necessidades materiais podem ser todas produzidas por noacutes mesmos

Para pensarmos um pouco mais sobre esse tema eacute chegada a hora de aprendermos como a economia serve a bilhotildees de pessoas permitindo que sobrevivam e prosperem apesar dos contratempos da vida atual que penalizam milhares de pessoas Natildeo se esqueccedila que tudo isso se refere ao sistema econocircmico sua forma de organizar produzir e distribuir seus bens e serviccedilos a todos os cidadatildeos

EVOLUCcedilAtildeO DOS SISTEMAS ECONOcircMICOS

A evoluccedilatildeo dos sistemas econocircmicos nesses uacuteltimos dez mil anos foi marcada por duas caracteriacutesticas norteadoras de todo o processo

bull Especializaccedilatildeo sistema de produccedilatildeo segundo o qual cada indiviacuteduo se concentra em um nuacutemero limitado de atividades e

NOTASbull Troca dar uma coisa por outra substituir uma coisa por outra permutar

Atraveacutes da especializaccedilatildeo e da troca as naccedilotildees puderam dispor de maior produccedilatildeo e os padrotildees de vida foram se elevando Diante disso todas as naccedilotildees passaram a aumentar o grau de especializaccedilotildees e de trocas

As razotildees pelas quais a especializaccedilatildeo e a troca permitem o crescimento da produccedilatildeo podem ser observadas pela capacidade humana de aprender durante a vida Isto significa que o ser humano possui a capacidade de aprender a fazer coisas durante a vida Diante disso a especializaccedilatildeo torna-o mais haacutebil para fazer algumas poucas coisas em vez de ser amador em vaacuterias Uma outra razatildeo que se justifica eacute pelo tempo necessaacuterio para mudar de uma atividade para outra Segundo Hall e Liberman (2003 p 34) ldquo[] quando as pessoas se especializam e com isso passam mais tempo realizando uma soacute tarefa haacute menos perda de tempo decorrente da transiccedilatildeo entre as tarefasrdquo Percebe-se com isso uma alteraccedilatildeo nos niacuteveis de produtividade dessa economia levando-a a um crescimento do niacutevel de produccedilatildeo

Uma forma simples de entendermos e visualizarmos como se organiza a economia como seus participantes interagem uns com os outros como os compradores e consumidores se relacionam entre si e com o governo e ainda como a economia interna se relaciona com o setor externo se expressa atraveacutes do diagrama do fluxo circular ampliado Veja a Figura 1

FIGURA 1 Diagrama do fluxo circular - fonte elaborado pelos autores

Podemos observar que o diagrama do fluxo circular evidencia visualmente as relaccedilotildees econocircmicas instituiacutedas e facilita o entendimento no que diz respeito ao funcionamento da economia utilizando as seguintes categorias produtores (organizaccedilotildees) consumidores (famiacutelias) governo e setor externo

Verificamos no diagrama do fluxo circular a existecircncia de relaccedilotildees entre os diversos agentes que compotildeem o mercado interno e tambeacutem a relaccedilatildeo desse mercado com o setor externo Com a presenccedila de pessoas empresas (grandes meacutedias pequenas formais e informais) e governos (municipal estadual e federal) as relaccedilotildees estabelecidas datildeo sustentaccedilatildeo ao mercado Isto acontece em quase todos os lugares e uma relaccedilatildeo direta e indireta com o meio ambiente acaba sendo processada

Para pensarmos em produccedilatildeo de bens e serviccedilos precisamos considerar como elemento baacutesico da anaacutelise a questatildeo ambiental

NOTASDiante do exposto podemos dizer que a atual discussatildeo sobre o tema MEIO AMBIENTE e desenvolvimento econocircmico reflete a relaccedilatildeo contraacuteria que se manifesta por um lado diante do modelo de desenvolvimento adotado e os impactos provocados ao meio ambiente e por outro lado o que esses impactos ambientais podem provocar no modelo de desenvolvimento

Vocecirc sabia que no sistema econocircmico tudo pode e deve ser avaliado monetariamente de modo que toda a produccedilatildeo de bens e serviccedilos que uma economia produz pode ser transformada em valor medido pelo dinheiro ou pela moeda Mas como mensurar as atividades econocircmicas

Mensurar significa quantificar essas relaccedilotildees Logo quando as atividades econocircmicas de um paiacutes satildeo mensuradas a sociedade passa a ter mais clareza do seu processo de desenvolvimento econocircmico Acompanhe como se desenvolvem o Fluxo Real e o Fluxo Monetaacuterio da economia ilustrados nas Figuras 2 e 3 respectivamente

Figura 2 Fluxo real da economia fonte elaborada pelos autores

Figura 3 Fluxo monetaacuterio da economia fonte elaborada pelos autores

De acordo com as figuras note que enquanto o Fluxo Real procura evidenciar as relaccedilotildees de demanda e oferta existentes no mercado de bens e serviccedilos o Fluxo Monetaacuterio deixa claro a relaccedilatildeo de pagamentos efetuados no mercado de bens e serviccedilos e a remuneraccedilatildeo dos fatores de produccedilatildeo

Assim podemos afirmar que o sistema econocircmico eacute o conjunto de relaccedilotildees teacutecnicas baacutesicas e institucionais que caracterizam a organizaccedilatildeo econocircmica de uma sociedade Independentemente do seu tipo todo sistema econocircmico deve de algum modo desempenhar trecircs funccedilotildees baacutesicas ndash baacutesicas em Economia determinando

bull O que produzir e em que quantidade precisamos definir entre as possibilidades o que e qual a quantidade a ser produzida de modo a satisfazer o mais adequadamente a sociedade

bull Como produzir tais bens e serviccedilos devemos definir quem vai ser

NOTASo responsaacutevel pela produccedilatildeo qual a tecnologia a ser empregada qual o tipo de organizaccedilatildeo da produccedilatildeo etc e

bull Para quem produzir ou seja quem seraacute o consumidor devemos definir o puacuteblico-alvo e as maneiras atraveacutes das quais o produto deveraacute atingi-lo

Mas como as sociedades resolvem os seus problemas econocircmicos fundamentais o que e quanto como e para quem produzir

A resposta depende da forma de organizaccedilatildeo econocircmica Cada

relaccedilatildeo entre esses agentes caracteriza um mercado em particular No

campo da MICROECONOMIA podemos analisar o mercado de petroacuteleo

de soja de matildeo de obra para o setor financeiro etc enquanto no campo

da MACROECONOMIA podemos destacar o funcionamento do mercado

de bens e serviccedilos mercado de trabalho como um todo mercado financeiro

e mercado cambial

Note que no mundo de hoje entender de economia e compreender

como funcionam os mercados em suas reais dimensotildees problemas e

implicaccedilotildees em termos de bem-estar social econocircmico e poliacutetico nos

auxilia bastante nas tomadas de decisotildees O mercado possibilita enxergar

outras variaacuteveis (outras relaccedilotildees) que natildeo se encontram apenas no campo

da economiaExistem duas formas principais de organizaccedilatildeo econocircmica

NOTASbull Economia de mercado (ou descentralizada tipo capitalista) e

bull Economia planificada (ou centralizada tipo socialista)

Os paiacuteses organizam-se dessas duas formas ou possuem algum sistema intermediaacuterio entre elas

Outra questatildeo importante que surge na esfera do estudo econocircmico diz respeito agraves distinccedilotildees entre as preocupaccedilotildees macro e microeconocircmicas Contudo vale salientar que embora aparentemente diacutespares ambas tratam do mesmo objeto o sistema econocircmico

Como jaacute vimos a Microeconomia trata do comportamento das unidades econocircmicas enquanto a Macroeconomia aborda o conjunto da economia Para tanto sempre satildeo feitas abstraccedilotildees

FUNCIONAMENTO DE UMA ECONOMIA DE MERCADO

Podemos dizer que as economias de mercado podem ser analisadas por dois sistemas

bull Sistema de concorrecircncia pura (sem interferecircncia do governo) e

bull Sistema de economia mista (com interferecircncia governamental)

Num sistema de concorrecircncia pura ou perfeitamente competitivo predomina o LAISSEZ-FAIRE Neste tipo de organizaccedilatildeo milhares de produtores e milhotildees de consumidores tecircm condiccedilotildees de resolver os

NOTASproblemas econocircmicos fundamentais (o que e quanto como e para quem produzir) como que guiados por uma ldquomatildeo invisiacutevelrdquo Isso sem a necessidade de intervenccedilatildeo do Estado na atividade econocircmica

No contexto discutido podemos dizer que eacute a base da filosofia do liberalismo econocircmico que advoga a soberania do mercado sem a intervenccedilatildeo do Estado Nesse modelo o Estado deve responsabilizar-se mais com questotildees como justiccedila paz seguranccedila relaccedilotildees diplomaacuteticas e deixar o mercado resolver as questotildees econocircmicas fundamentais

Contudo diante deste sistema econocircmico temos algumas criacuteticas As mais frequentes satildeo

bull grande simplificaccedilatildeo da realidade e

bull preccedilos nem sempre livresao sabor do mercado em virtude de fatores como

bull forccedila dos sindicatos

bull poder dos monopoacutelios e oligopoacutelios

bull intervenccedilotildees do governo via impostos subsiacutedios tarifas e preccedilos puacuteblicos (aacutegua energia etc) poliacutetica salarial congelamentos e tabelamentos de preccedilos e poliacutetica cambial

O mercado sozinho natildeo promove perfeita alocaccedilatildeo de recursos Em paiacuteses mais pobres que querem se desenvolver o Estado precisa prover a infraestrutura baacutesica como estradas telefonia siderurgia portos usinas

NOTAShidroeleacutetricas o que exige altos investimentos com retornos apenas em longo prazo afastando o setor privado

Por pelo menos cem anos do final do seacuteculo XVIII com a REVOLUCcedilAtildeO INDUSTRIAL ao final do seacuteculo XIX predominava um sistema de mercado muito proacuteximo da concorrecircncia pura No seacuteculo XX quando se tornou mais presente a forccedila dos sindicatos e dos monopoacutelios e oligopoacutelios associada a outros fatores como aumento da especulaccedilatildeo financeira e desenvolvimento do comeacutercio internacional a economia tornou-se mais complexa

Diante dessa realidade podemos afirmar que a atuaccedilatildeo do governo justifica-se com o objetivo de eliminar as chamadas distorccedilotildees alocativas (isto eacute na alocaccedilatildeo de recursos) e distributivas e promover a melhoria do padratildeo de vida da coletividade Isso pode se dar das seguintes formas

bull mercado sozinho natildeo promove perfeita distribuiccedilatildeo de renda pois as empresas estatildeo preocupadas em maximizar seu lucro e natildeo com questotildees distributivas

bull atuaccedilatildeo sobre a formaccedilatildeo de preccedilos via impostos subsiacutedios tabelamentos e fixaccedilatildeo de salaacuterio miacutenimo

bull fornecimento de serviccedilos puacuteblicos e

bull complemento da iniciativa privada etc

Temos ainda o sistema de economia centralizada onde a forma de resolver os problemas econocircmicos fundamentais eacute decidida por uma Agecircncia ou Oacutergatildeo Central de Planejamento e natildeo pelo mercado

NOTASOs preccedilos satildeo determinados pelo governo que normalmente subsidia fortemente os bens essenciais e taxa os bens considerados supeacuterfluos Com relaccedilatildeo ao lucro uma parte vai para o governo outra parte eacute usada para investimentos nas empresas dentro das metas estabelecidas pelo proacuteprio governo e a terceira parte eacute dividida entre os administradores e os trabalhadores como precircmio pela eficiecircncia Se o governo considera que determinada induacutestria eacute vital para o paiacutes esse setor seraacute subsidiado mesmo que apresente ineficiecircncia na produccedilatildeo ou nos prejuiacutezos

MERCADO

Todos os dias vocecirc ouve ou lecirc algo que trata do mercado Basta abrir os jornais assistir agrave televisatildeo ou visitar as ruas de sua cidade Portanto natildeo eacute nada tatildeo distante do seu dia a dia pelo contraacuterio eacute algo que faz parte do seu cotidiano de sua vida Pindyck e Rubinfeld (2006) dividem as unidades econocircmicas em dois grandes grupos de acordo com sua funccedilatildeo o de compradores e o de vendedores

Os compradores abrangem os consumidores aqueles que adquirem bens e serviccedilos e as empresas que adquirem matildeo de obra capital e mateacuterias-primas que utilizam para produzir bens e serviccedilos Jaacute no que se refere os vendedores podemos listar as empresas que vendem bens e serviccedilos aleacutem dos trabalhadores que vendem seus serviccedilos e os proprietaacuterios de recursos que arrendam terras e comercializam recursos minerais

Mas qual relaccedilatildeo destes termos com o termo mercado

NOTASA relaccedilatildeo eacute direta uma vez que o mercado consiste num grupo de compradores (lado da procura) e um de vendedores (lado da oferta) de bens serviccedilos ou recursos que estabelecem contato e realizam transaccedilotildees entre si Ou seja a interaccedilatildeo de compradores e vendedores daacute origem aos mercados

O lado dos compradores eacute constituiacutedo tanto de consumidores que satildeo compradores de bens e serviccedilos quanto de empresas que satildeo compradoras de recursos (trabalho terra capital e capacidade empresarial) utilizados na produccedilatildeo de bens e serviccedilos enquanto o lado dos vendedores eacute constituiacutedo pelas empresas que vendem bens e serviccedilos aos consumidores e pelos proprietaacuterios de recursos (trabalho terra capital e capacidade empresarial) que os vendem (ou arrendam) para as empresas em troca de remuneraccedilatildeo (salaacuterios alugueacuteis e lucros)

Nas economias modernas a maioria das decisotildees sobre o que e quanto produzir como produzir e para quem produzir satildeo tomadas nos mercados Logo para determinarmos os compradores e vendedores que estatildeo participando do mercado devemos incorporar a ideia do que seja a extensatildeo do mercado

Por extensatildeo de mercado devemos entender os seus limites tanto geograacuteficos quanto em termos da variedade de produtos que nele satildeo oferecidos Poreacutem percebemos que em algumas situaccedilotildees o mercado falha nessa tomada de decisotildees Quando isso ocorre eacute preciso que o Estado intervenha no sentido de ajustar o processo Assim podemos afirmar que o mercado eacute ao mesmo tempo o meio mais simples e o mais complexo de ALOCACcedilAtildeO DE RECURSOS

NOTASMas vocecirc pode estar se perguntando Que histoacuteria eacute essa de meio mais simples e mais complexo de alocaccedilatildeo de recursos O que significa isso

Isso significa que mesmo em situaccedilotildees de livre mercado haacute ocasiotildees em que o mercado natildeo eacute capaz de fazer de maneira EFICIENTE o processo de alocaccedilatildeo e distribuiccedilatildeo dos recursos Em funccedilatildeo desta constataccedilatildeo mercados natildeo funcionam a contendo contamos com a regulaccedilatildeo a fim de proporcionar a eficiecircncia econocircmica

Vocecirc jaacute ouviu falar das agecircncias reguladoras no Brasil

Essas agecircncias de regulaccedilatildeo surgem em funccedilatildeo da existecircncia de falhas do mercado Assim ao ouvirmos falar em regulaccedilatildeo podemos imaginar formas de contornar essas falhas agrave luz do modo de produccedilatildeo capitalista enquanto a desregulamentaccedilatildeo significa deixar o mercado solto das amarras da regulaccedilatildeo pois nestes casos o mercado eacute mais eficiente Por exemplo temos a Agecircncia Nacional de Energia Eleacutetrica e a Agecircncia Nacional de Telecomunicaccedilotildees entre outras

Muitas pessoas pensam que os significados dos termos oferta e demanda satildeo sinocircnimos na Ciecircncia Econocircmica Quando debatem temas como sauacutede transportes pobreza moradia etc costumam afirmar que tudo isso se refere apenas agrave questatildeo de oferta e demanda Outros menos informados costumam ainda usar e abusar dessa afirmaccedilatildeo tornando a oferta e a demanda uma espeacutecie de lei inviolaacutevel sobre a qual nada pode ser feito e a partir da qual tudo pode ser explicado

NOTASTanto a oferta quanto a demanda fazem parte de um modelo econocircmico criado para explicar como os preccedilos satildeo determinados em um sistema de mercado Observe que os preccedilos determinam quais famiacutelias ou regiotildees seratildeo beneficiadas com determinados produtos e serviccedilos e quais empresas receberatildeo determinados recursos

Em se tratando de Microeconomia os economistas recorrem ao conceito de demanda para descrever a quantidade de um bem ou serviccedilo que uma famiacutelia ou empresa decide comprar a um dado preccedilo Entatildeo a quantidade demandada de um bem ou serviccedilo refere-se agrave quantidade desse bem ou serviccedilo que os compradores desejam e podem comprar Observe tambeacutem que vaacuterias questotildees podem afetar os consumidores na hora da compra tais como renda gosto preccedilo etc

A Teoria da Demanda deriva de algumas hipoacuteteses sobre a escolha do consumidor entre diversos bens e serviccedilos que um determinado orccedilamento domeacutestico permite adquirir Essa teoria procura explicar o processo de escolha do consumidor diante das diversas possibilidades existentes Devido agrave certa limitaccedilatildeo orccedilamentaacuteria o consumidor procura distribuir a renda disponiacutevel entre os diversos bens e serviccedilos de maneira a alcanccedilar a melhor combinaccedilatildeo possiacutevel que possa lhe trazer o maior niacutevel de satisfaccedilatildeo A demanda natildeo representa a compra efetiva mas a intenccedilatildeo de comprar por determinado preccedilo

Ao analisarmos como funcionam os mercados percebemos que o preccedilo de um bem ou serviccedilo exerce papel central Na praacutetica a quantidade demandada de um bem ou serviccedilo diminui quando o preccedilo aumenta e aumenta quando o preccedilo diminui Logo a quantidade demandada eacute negativamente relacionada ao preccedilo como pode ser observado na Figura 4

Figura 4 Curva de demanda Fonte Elaborada pelos autores

Veja a seguir as variaacuteveis que podem deslocar esta curva da demanda

bull riqueza (e sua distribuiccedilatildeo)

bull renda (e sua distribuiccedilatildeo)

bull fatores climaacuteticos e sazonais

bull propaganda

bull haacutebitos

bull gostos e preferecircncias dos consumidores

NOTASbull expectativas sobre o futuro e

bull facilidades de creacutedito (disponibilidade taxa de juros e prazos)

Agora que vocecirc jaacute sabe que a curva da demanda pode sofrer alteraccedilatildeo observe a Figura 5 para verificar como funciona este deslocamento

Figura 5 Variaccedilotildees da curva da demanda Fonte elaborada pelos autores

A Teoria da Oferta muda o foco da anaacutelise pois o vendedor vai ao mercado com a meta de obter o maior lucro possiacutevel Neste cenaacuterio o vendedor (uma empresa) pode se deparar com uma restriccedilatildeo importante a produccedilatildeo de bens e serviccedilos requer a utilizaccedilatildeo de recursos produtivos e essa quantidade depende do padratildeo tecnoloacutegico utilizado pela firma

Observe que a tecnologia de produccedilatildeo nos diz o que a empresa pode fazer Portanto o padratildeo tecnoloacutegico acaba se tornando um fator restritivo

NOTASpara a empresa poder produzir aleacutem dos preccedilos dos outros FATORES DE PRODUCcedilAtildeO e do proacuteprio preccedilo praticado no mercado

Assim podemos definir oferta como sendo a quantidade de um bem ou serviccedilo que os produtores (vendedores) desejam produzir (vender) por unidade de tempo Observamos que a oferta eacute um desejo uma aspiraccedilatildeo Logo a quantidade ofertada de um bem ou serviccedilo refere-se agrave quantidade que os vendedores querem e podem vender Dessa maneira existe uma associaccedilatildeo de comportamento dos preccedilos com o niacutevel de quantidade ofertada ou seja a quantidade ofertada aumenta agrave medida que o preccedilo aumenta e reduz quando o preccedilo se reduz Logo a quantidade ofertada estaacute positivamente relacionada com o preccedilo do bem e serviccedilo como podemos verificar na Figura 6

Figura 6 Curva de oferta fonte elaborada pelos autores

NOTASConheccedila agora as variaacuteveis que podem deslocar a curva da oferta como um todo

bull disponibilidade de insumo

bull tecnologia

bull expectativa e

bull nuacutemero de vendedores

Veja na Figura 7 este deslocamento que estamos nos referindo

Figura 7 variaccedilotildees da curva de oferta fonte elaborada pelos autores

NOTASAgora vocecirc jaacute conhece as mais diferentes condutas dos consumidores (demanda) e dos produtores (oferta) em separado Vamos combinaacute-las para numa interpretaccedilatildeo conjunta identificarmos como se determinam a quantidade e o preccedilo de equiliacutebrio de um bem ou serviccedilo vendido no mercado

Esta intersecccedilatildeo das curvas de oferta e de demanda identifica o ponto em que tanto os consumidores quanto os produtores se encontram satisfeitos e dispostos a agir Eacute nesse ponto que temos o equiliacutebrio de mercado veja na Figura 8

Figura 8 equiliacutebrio entre oferta e demanda fonte elaborada pelos autores

Com base na Figura 8 podemos perceber que em qualquer situaccedilatildeo fora do ponto de equiliacutebrio temos um desequiliacutebrio Caso a oferta seja superior agrave demanda haacute excesso de oferta e caso a demanda seja maior que a oferta haacute excesso de demanda Note que o processo de ajuste

NOTASocorre sempre via preccedilos ou seja a quantidade ofertada ou demandada eacute a variaacutevel dependente e os preccedilos a variaacutevel independente

No contexto discutido temos uma afirmaccedilatildeo-chave preccedilo e quantidade de equiliacutebrio dependem da posiccedilatildeo das curvas de oferta e demanda Quando por algum motivo uma dessas curvas se desloca o equiliacutebrio do mercado muda Na Teoria Econocircmica essa anaacutelise eacute conhecida como estaacutetica comparativa porque envolve a comparaccedilatildeo de duas situaccedilotildees estaacuteveis ndash um equiliacutebrio inicial e um novo equiliacutebrio

Para uma melhor compreensatildeo dessa sistemaacutetica sobre a conduta dos consumidores e produtores vamos ver agora o conceito de elasticidade Vocecirc sabia que esse conceito eacute fundamental para analisarmos o mundo em que vivemos

Muito bem a ELASTICIDADE nada mais representa do que uma medida da resposta dos compradores e vendedores agraves mudanccedilas no preccedilo e na renda

Aprendemos que o preccedilo do bem se ajusta para conduzir a quantidade ofertada e demandada ao equiliacutebrio Entatildeo dessa forma precisamos ficar atentos para perceber natildeo soacute a mudanccedila dos preccedilos mas o quanto eles podem oscilar

A elasticidadendashpreccedilo da demanda mede o quanto a demanda reage a uma mudanccedila no preccedilo A demanda por um bem eacute considerada elaacutestica se a quantidade demandada responder muito a uma dada variaccedilatildeo no preccedilo Isto significa dizermos que a demanda eacute muito sensiacutevel agrave mudanccedila de preccedilo Caso essa resposta seja pequena a demanda por esse bem eacute considerada inelaacutestica ou seja a demanda eacute insensiacutevel agrave mudanccedila de preccedilo

Vocecirc pode estar se perguntando Como vou saber se a demanda eacute sensiacutevel ou insensiacutevel agrave mudanccedila de preccedilo

Eacute simples Basta dividir a variaccedilatildeo percentual da quantidade demandada pela variaccedilatildeo percentual do preccedilo No resultado encontrado o coeficiente de elasticidade eacute um nuacutemero puro independente de qualquer identificaccedilatildeo com a unidade na qual as variaacuteveis foram expressas O coeficiente da elasticidadendashpreccedilo da demanda eacute sempre negativo uma vez que o preccedilo e a quantidade demandada satildeo inversamente relacionados Algebricamente a elasticidade pode ser representada como

Conheccedila agora alguns exemplos de demandas elaacutesticas ou inelaacutesticas

bull bens com alta elasticidade da demanda (elaacutestica) incluem refeiccedilotildees em restaurantes veiacuteculos automotores viagem aeacuterea carne bovina refrigerante turismo manteiga etc e

bull bens com baixa elasticidade da demanda (inelaacutestica) aqui temos a insulina sal gasolina petroacuteleo ovos leite etc

Outro ponto a ser destacado eacute que o aumento na renda do consumidor normalmente aumenta a demanda por um bem Logo mantendo o preccedilo constante podemos avaliar a variaccedilatildeo na quantidade demandada para uma dada variaccedilatildeo na renda A sensibilidade da quantidade demandada a uma variaccedilatildeo na renda do consumidor eacute chamada de elasticidade-renda da demanda Se a elasticidade-renda for maior do que zero o BEM Eacute NORMAL e se for menor do que zero o BEM Eacute INFERIOR A elasticidade-renda varia muito de bem para bem e esta variaccedilatildeo pode ser expressa algebricamente como sendo

Vejamos aqui alguns exemplos de elasticidade-renda maior que zero (bem normal) e menor que zero (bem inferior)

bull os bens normais tecircm elasticidade-renda da demanda positiva Por exemplo frutas frescas computadores viagens aeacutereas lazer carne de soja etc e

bull os bens inferiores tecircm elasticidade-renda negativa Por exemplo passagem de ocircnibus moradia carne de segunda patildeo batatas etc

NOTASDe modo semelhante agrave elasticidade-preccedilo-demanda e agrave elasticidadendashrenda temos a elasticidade cruzada da demanda A elasticidade cruzada da demanda nada mais eacute que uma medida utilizada para analisar a relaccedilatildeo entre os diversos produtos Entre dois produtos a elasticidade cruzada da demanda mede a variaccedilatildeo percentual na quantidade demandada do bem 1 em resposta a uma dada variaccedilatildeo percentual no preccedilo do bem 2

O coeficiente de elasticidade cruzada pode ser positivo ou negativo Quando positivo dizemos que os produtos satildeo substitutos um do outro Sendo negativo dizemos que os produtos satildeo complementares

Conheccedila alguns exemplos de bens substitutos e complementares de acordo com o Quadro 1

Benssubstitutos

O aumento de um produto natildeo interfere na satisfaccedilatildeo

do consumidor que imediatamente tem a possibilidade

de substituiacute- lo por um outro Exemplo manteiga e

margarina cinema e locaccedilatildeo de fitas de viacutedeo carne

de frango e carne de vaca cerveja e refrigerantes

Benscomplementares

O aumento no preccedilo de um deles ocasiona uma reduccedilatildeo

na quantidade demandada do outro Exemplo gasolina

e oacuteleo para motor camisa social e gravata sapato e

meia patildeo e margarina computador e software

Quadro 1 exemplos de bens substitutos e complementares elaborado pelos autores

Veja bem esta abordagem da elasticidade tambeacutem poder ser utilizada no lado da oferta A elasticidade-preccedilo da oferta mede o quanto a quantidade ofertada responde agrave mudanccedila de preccedilo

A oferta de um bem eacute chamada de elaacutestica se a quantidade ofertada responde bem a mudanccedilas no preccedilo Quando essa resposta na quantidade ofertada eacute pequena agraves mudanccedilas de preccedilo dizemos que a oferta eacute inelaacutestica Diante disso podemos afirmar que a elasticidadendashpreccedilo da oferta depende da flexibilidade que os vendedores (produtores) tecircm para mudar a quantidade do bem que produzem

Ao contraacuterio da elasticidade da demanda a elasticidade-preccedilo da oferta eacute positiva Isso ocorre porque as variaccedilotildees de preccedilo e quantidade se datildeo no mesmo sentido

Vocecirc se lembra do professor de Matemaacutetica falando de funccedilotildees crescentes

Podemos calcular a elasticidade da oferta dividindo a variaccedilatildeo percentual na quantidade ofertada pela variaccedilatildeo percentual no preccedilo Logo a relaccedilatildeo entre o preccedilo de um produto e o volume de vendas eacute muito importante para as empresas Isto ocorre porque toda a relaccedilatildeo descrita serve de base para a formaccedilatildeo da poliacutetica de preccedilos estrateacutegia de vendas atendimento dos objetivos de lucro e participaccedilatildeo no mercado Assim entender como se comporta a elasticidade torna-se muito importante para o administrador puacuteblico contemporacircneo

NOTASESTRUTURA DE MERCADO

Na estrutura de mercado claacutessica podemos distinguir dois casos extremos

bull Monopoacutelio quando uma empresa eacute a uacutenica provedora do produto

bull Concorrecircncia perfeita quando a dimensatildeo de cada empresa eacute insignificante em relaccedilatildeo agraves demais empresas

O termo ldquoconcorrecircnciardquo tem sentido muacuteltiplo Em economia acompanhado da palavra ldquopurardquo significa justamente a inexistecircncia de competiccedilatildeo no seu sentido parcial Em outras palavras em um mercado no qual vigora a concorrecircncia pura os competidores natildeo tecircm rivalidade entre si Diante desta realidade temos como condiccedilotildees baacutesicas para a existecircncia de concorrecircncia pura

bull A homogeneidade do produto implica que todos os vendedores de um dado produto vendam unidades homogecircneas deste e os compradores tambeacutem considerem o produto homogecircneo

bull A insignificacircncia de cada comprador ou vendedor diante do mercado cada comprador e ou vendedor precisa ser pequeno o suficiente para natildeo ser capaz de influenciar sozinho o preccedilo de mercado

NOTASbull A ausecircncia de restriccedilotildees artificiais eacute preciso que os preccedilos sejam livres para oscilar de acordo com as exigecircncias de mercado

bull A mobilidade eacute necessaacuterio que haja mobilidade de bens serviccedilos e recursos Novas firmas devem poder entrar sem dificuldade nesse mercado assim como natildeo deve existir impedimento agrave saiacuteda e

bull O pleno conhecimento (atributo da palavra ldquoperfeitardquo) a concorrecircncia perfeita incorpora o pleno conhecimento do sistema econocircmico e de todas as suas inter-relaccedilotildees por parte dos agentes partiacutecipes desse mercado

O MONOPOacuteLIO eacute uma situaccedilatildeo de mercado em que uma uacutenica firma vende um produto que natildeo tem substitutos proacuteximos Uma outra forma monopoacutelio eacute uma situaccedilatildeo de mercado em que existe um soacute produtor de um bem (ou serviccedilo) que natildeo tem substitutos proacuteximos Devido a isso o monopolista exerce grande influecircncia na determinaccedilatildeo do preccedilo a ser cobrado pelo seu produto

Segundo Vasconcellos (2004) o mercado monopolista se caracteriza por apresentar condiccedilotildees diametralmente opostas agraves da concorrecircncia perfeita Nele existem de um lado um uacutenico empresaacuterio (empresa) dominando inteiramente a oferta e de outro todos os consumidores Natildeo haacute portanto concorrecircncia nem produto substituto ou concorrente Nesse caso os consumidores se submetem agraves condiccedilotildees impostas pelo vendedor ou simplesmente deixam de consumir o produto

NOTASMas como saber se o mercado eacute monopolista

Existem algumas teorias baacutesicas do modelo monopolista Veja algumas delas a seguir

bull determinado produto eacute oferecido por uma uacutenica empresa

bull natildeo tem substitutos proacuteximos para esse produto e

bull existem obstaacuteculos (barreiras) de novas firmas na induacutestria (nesse caso a induacutestria eacute composta por uma uacutenica empresa)

As dificuldades para as empresas se estabelecerem no mercado aqui entendidas como barreiras de acesso podem ocorrer de vaacuterias formas No caso de monopoacutelio puro ou natural devido agrave elevada escala de produccedilatildeo requerida exige-se um grande montante de investimento Podemos enquadrar nesta situaccedilatildeo por exemplo refinarias de petroacuteleo siderurgia etc

Uma outra forma de empecilho agrave instalaccedilatildeo de novas empresas no mercado imperfeito se daacute atraveacutes das patentes direito uacutenico para produzir um bem Os laboratoacuterios farmacecircuticos encarregados da fabricaccedilatildeo de medicamentos valem-se deste instrumento de patentes ou controle de mateacuterias-primas-chave

Finalmente haacute o monopoacutelio estatal ou institucional protegido pela legislaccedilatildeo normalmente ocorria em setores estrateacutegicos ou de infraestrutura Ateacute pouco tempo atraacutes no nosso paiacutes tiacutenhamos como exemplo as centrais de energia eleacutetrica telecomunicaccedilotildees etc

NOTASUma outra estrutura bastante conhecida nos dias de hoje no campo da competiccedilatildeo imperfeita eacute o OLIGOPOacuteLIO Esse tipo de estrutura normalmente eacute caracterizada por um pequeno nuacutemero de empresas que dominam a oferta de mercado Pode-se caracterizaacute-la como um mercado em que haacute um pequeno nuacutemero de empresas como a induacutestria automobiliacutestica ou entatildeo onde haacute um grande nuacutemero de empresas mas poucas dominam o mercado como a induacutestria de bebidas

O setor produtivo brasileiro eacute altamente oligopolizado sendo possiacutevel encontrar inuacutemeros exemplos montadoras de veiacuteculos setor de cosmeacuteticos induacutestria de papel induacutestria de bebidas induacutestria quiacutemica induacutestria farmacecircutica etc O oligopoacutelio pode ser

bull Puro quando os concorrentes oferecem exatamente os mesmos produtos homogecircneos iguais substitutos entre si Temos como exemplo o cimento da induacutestria de cimento o alumiacutenio da induacutestria de alumiacutenio ou

bull Diferenciado quando o produto natildeo eacute homogecircneo Por exemplo induacutestria automobiliacutestica ou de cigarro Ou seja embora semelhantes entre si esses produtos natildeo satildeo idecircnticos Por exemplo o Gol eacute diferente do Fiat Uno etc

O oligopoacutelio apresenta como principal caracteriacutestica o fato de as firmas serem interdependentes Isso decorre do pequeno nuacutemero de firmas existentes na induacutestria e significa que as firmas levam em consideraccedilatildeo e reagem agraves decisotildees quanto a preccedilo e produccedilatildeo de outras firmas

No oligopoacutelio tanto as quantidades ofertadas quanto os preccedilos satildeo

NOTASfixados entre as empresas por meio de conluios ou carteacuteis O cartel eacute uma organizaccedilatildeo (formal ou informal) de produtores dentro de um setor que determina a poliacutetica de preccedilos para todas as empresas que a ele pertencem Por exemplo Cartel da Organizaccedilatildeo dos Paiacuteses Exportadores de Petroacuteleo (OPEP) Este cartel estabelece o preccedilo do petroacuteleo no mercado mundial

Seraacute que existe formaccedilatildeo de cartel entre os distribuidores de aacutelcool no Brasil E entre os distribuidores de gasolina Pense nisso

Aleacutem dos carteacuteis existe um outro modelo de oligopoacutelio chamado de lideranccedila de preccedilo Lideranccedila de preccedilo eacute a forma de conluio imperfeito em que as empresas do setor oligopoliacutestico decidem sem acordo formal estabelecer o mesmo preccedilo aceitando a lideranccedila de preccedilo de uma empresa da induacutestria

Esse modelo pressupotildee que a lideranccedila decorre do fato de que uma das firmas rivais possui estrutura de custos mais baixos que as demais Por essa razatildeo impotildee-se como liacuteder do grupo

Inicialmente os preccedilos podem ser diferenciados Entretanto podemos observar que o mercado opta por produtos que estejam sendo oferecidos a preccedilos mais baixos Assim restam agraves empresas que oferecerem o produto a preccedilos mais elevados duas possibilidades ou mantecircm o preccedilo e como consequecircncia satildeo banidas do mercado ou entatildeo aceitam o preccedilo praticado pela concorrecircncia que eacute mais baixo e continuam no mercado sem maximizar seus lucros

Assim eacute que a firma liacuteder de preccedilo permanece no mercado atraveacutes de um acordo taacutecito (isto eacute um acordo natildeo formal) responsaacutevel pela determinaccedilatildeo do niacutevel de venda do produto enquanto as firmas menos

NOTASfavorecidas em termos de preccedilos tornam-se seguidoras dos preccedilos fixados pela firma liacuteder

Temos ainda outra estrutura de mercado imperfeito denominada de concorrecircncia monopoacutelica ou concorrecircncia MONOPOLISTA Esta forma de mercado tem como caracteriacutestica marcante empresas produzindo produtos diferenciados embora sendo substitutos proacuteximos Notamos entatildeo que na concorrecircncia monopoliacutestica a empresa tem determinado poder sobre a fixaccedilatildeo de preccedilos A diferenciaccedilatildeo do produto pode ocorrer por caracteriacutesticas fiacutesicas de embalagem ou pelo esquema de promoccedilatildeo de vendas Como exemplo temos os laboratoacuterios farmacecircuticos as induacutestrias alimentiacutecias automobiliacutesticas etc

A concorrecircncia monopolista eacute uma estrutura de mercado que conteacutem elementos da concorrecircncia perfeita e do monopoacutelio ficando em uma situaccedilatildeo intermediaacuteria entre essas duas formas de organizaccedilatildeo de mercado Contudo natildeo se confunde em nada com o oligopoacutelio

Agora que jaacute conversamos um pouco sobre monopoacutelio vamos conhecer as principais caracteriacutesticas da concorrecircncia monopolista Satildeo elas

bull margem de manobra para fixaccedilatildeo dos preccedilos natildeo muito ampla uma vez que existem produtos substitutos no mercado e

bull nuacutemero relativamente grande de empresas com certo poder concorrencial poreacutem com segmentos e produtos diferenciados seja por caracteriacutesticas fiacutesicas seja por embalagens ou prestaccedilatildeo de serviccedilos complementares (poacutes-venda)

Observe que diante dessas caracteriacutesticas acabamos dando um pequeno poder monopolista sobre o preccedilo do produto embora o mercado seja competitivo ndash daiacute o nome de concorrecircncia monopolista

Agora que jaacute discutidos os principais aspectos ligados agrave Microeconomia vamos passar agrave Macroeconomia Vocecirc estaacute pronto

No iniacutecio do seacuteculo XXI a abordagem dos economistas tem-se dirigido agrave Nova Economia agrave tecnologia da informaccedilatildeo ao ajuste externo e interno agrave globalizaccedilatildeo dos mercados etc Assistimos agraves evidecircncias do impacto dessas mudanccedilas no nosso dia a dia agraves vezes sem nos preocuparmos muito com as consequecircncias Por isso separamos algumas indagaccedilotildees

bull Quais satildeo exatamente os efeitos dessas mudanccedilas

bull Como elas podem afetar os padrotildees de vida e a taxa de crescimento da economia

bull Como estas mudanccedilas na economia atingem o emprego e o desemprego os preccedilos e o equiliacutebrio do balanccedilo de pagamentos

bull Por que razatildeo as rendas satildeo atualmente mais elevadas do que em 1970 e por que em 1970 eram mais altas do que tinham sido em 1930

bull Quais as causas da recessatildeo e da depressatildeo e como as poliacuteticas puacuteblicas podem evitaacute-las

NOTASTodas as questotildees levantadas anteriormente estatildeo no campo da Macroeconomia Agora natildeo estamos mais preocupados em compreender ou discutir as unidades de forma isolada Estamos sim analisando algo sobre a economia como um todo o sistema econocircmico completo (agregado) Ou seja eacute na Macroeconomia que notamos os pontos principais da anaacutelise do equiliacutebrio parcial e geral levando em conta a busca do pleno emprego

Mas se a Macroeconomia se preocupa com a situaccedilatildeo de pleno emprego como podemos explicar taxas tatildeo elevadas de desemprego no Brasil e no mundo

Vaacuterias satildeo as explicaccedilotildees para a questatildeo do desemprego Em muitos casos a razatildeo eacute atribuiacuteda ao proacuteprio indiviacuteduo por natildeo estar preparado para as exigecircncias do mercado de trabalho ou por natildeo aceitar reduccedilotildees salariais Mas na verdade trata-se da ldquodanccedila das cadeirasrdquo conforme argumentou Souza (2000) Seraacute que por mais preparado que o indiviacuteduo esteja haveraacute local para ele sentar-se Do ponto de vista individual estar melhor preparado significa a possibilidade de primeiro sentar-se na cadeira

Contudo neste cenaacuterio precisamos considerar a questatildeo na totalidade ou seja se a economia natildeo eacute capaz de gerar cadeiras suficientes inevitavelmente pessoas ficaratildeo de peacute por mais preparadas que estejam Bem mas aiacute temos algumas argumentaccedilotildees como por exemplo eacute a inovaccedilatildeo tecnoloacutegica que destroacutei as cadeiras existentes na economia o trabalho humano passa a ser substituiacutedo por maacutequinas

Estariacuteamos vivendo a eacutepoca do fim do emprego ou seja nada podemos fazer e o desemprego eacute algo inevitaacutevel

Novamente ao observarmos a questatildeo do ponto de vista individual a inovaccedilatildeo tecnoloacutegica causa desemprego Contudo ao mesmo tempo em que destroacutei cria novos produtos empresas atividades econocircmicas e empregos Em outras palavras a inovaccedilatildeo tecnoloacutegica embora modifique o niacutevel de emprego natildeo determina a priori seu resultado Generalizando os vaacuterios argumentos tais como rigidez no mercado de trabalho altos encargos trabalhistas salaacuterios nominais riacutegidos etc satildeo facilmente refutaacuteveis e natildeo determinam a princiacutepio o niacutevel de emprego

O que queremos argumentar eacute que estar ou natildeo empregado natildeo eacute uma mera escolha individual O aumento do niacutevel de emprego ocorre quando a taxa de expansatildeo da economia supera o aumento da produtividade do trabalho (que significa um mesmo indiviacuteduo passar a produzir mais no mesmo espaccedilo de tempo fruto de inovaccedilotildees tecnoloacutegicas)

Simplificando podemos dizer que o aumento da produtividade dispensa cadeiras Logo o crescimento econocircmico deve ser capaz de gerar cadeiras suficientes para compensar as perdas e ainda absorver os jovens ingressantes no mercado de trabalho Contudo deparamo-nos entatildeo com duas variaacuteveis que de fato determinam a priori a quantidade de cadeiras existentes na economia o crescimento econocircmico e a produtividade do trabalho

Mas vocecirc sabe quem satildeo os ldquoatoresrdquo que decidem sobre essas variaacuteveis

Como afirmamos a inovaccedilatildeo tecnoloacutegica a princiacutepio natildeo determina o niacutevel de emprego Essa eacute apenas uma faceta menos grave do problema A outra eacute a questatildeo do crescimento econocircmico Vamos considerar como

NOTASdada a variaacutevel produtividade Caso natildeo houvesse um crescimento da economia suficiente para absorver os entrantes no mercado de trabalho inevitavelmente teriacuteamos desemprego pois natildeo haveria emprego para os novos profissionais

Dessa forma a questatildeo agora eacute entender o porquecirc de taxas tatildeo mediacuteocres de crescimento como por exemplo o da economia brasileira principalmente nos ANOS 1990 Agora trata-se de uma escolha principalmente poliacutetica Em suma a verdadeira explicaccedilatildeo para o desemprego eacute justamente a estagnaccedilatildeo do crescimento econocircmico

Os conceitos mais abrangentes de poliacutetica satildeo uacuteteis para definirmos poliacutetica econocircmica dado que esta natildeo pode ser vista como um conjunto de procedimentos estanques e isolados A poliacutetica econocircmica abrange uma das partes integrantes da poliacutetica puacuteblica Situa-se no campo da Economia Normativa por se sustentar natildeo apenas no conhecimento positivo da Economia mas tambeacutem em juiacutezos de valor decorrentes de posiccedilotildees filosoacuteficas e culturais assumidas pelos formuladores

Para ser direto podemos resumir os objetivos da poliacutetica econocircmica em quatro a saber

bull crescimento da produccedilatildeo e do emprego

bull controle da inflaccedilatildeo

bull equiliacutebrio nas contas externas e

bull melhor distribuiccedilatildeo da renda gerada no paiacutes

NOTASObserve que os objetivos de poliacutetica econocircmica satildeo amplos Segundo Lanzana (2002) ldquo[] eacute preciso ter consciecircncia de que os objetivos de poliacutetica econocircmica natildeo satildeo independentes sendo no mais das vezes conflitantesrdquo

O crescimento econocircmico eacute expresso usualmente por intermeacutedio do acompanhamento de algumas variaacuteveis traduzidas em indicadores As anaacutelises macroeconocircmicas tomaram impulso com o desenvolvimento da chamada contabilidade nacional ou seja de um instrumental capaz de mensurar a totalidade das atividades econocircmicas praticadas em um determinado periacuteodo de tempo O crescimento econocircmico estaacute entre as METAS dos formuladores da poliacutetica econocircmica e refere-se agrave expansatildeo da produccedilatildeo do paiacutes uma quantidade maior de bens e serviccedilos agrave disposiccedilatildeo da sociedade

O SISTEMA DE CONTAS NACIONAIS tal como eacute empregado no Brasil e no resto do mundo deve-se aos trabalhos de vaacuterios economistas que se dedicaram agrave tarefa de homogeneizar a linguagem e definiram as principais variaacuteveis como consumo investimento renda poupanccedila produto interno e nacional

Se observarmos o comportamento da economia de um determinado paiacutes facilmente notaremos que as atividades econocircmicas oscilam com o decorrer do tempo Para medir as oscilaccedilotildees referidas entre os vaacuterios tipos de indicadores um dos mais representativos desta performance eacute o PRODUTO INTERNO BRUTO (PIB) calculado trimestralmente e que deve ser acompanhado com atenccedilatildeo O PIB faz uma radiografia de toda a atividade econocircmica

Existem trecircs formas de medir a atividade econocircmica de um paiacutes a oacutetica da produccedilatildeo que eacute o proacuteprio conceito de PIB a oacutetica da renda que se refere agrave remuneraccedilatildeo dos fatores que participam do processo de produccedilatildeo

NOTAScomo salaacuterios juros alugueacuteis e lucro e a oacutetica da despesa que se refere aos agentes que compram a produccedilatildeo ndash como as famiacutelias o investimento das empresas os gastos do governo e as exportaccedilotildees e importaccedilotildees

Hipoteticamente podemos dizer que se a produccedilatildeo de bens e serviccedilos de um paiacutes cresce mais rapidamente que a taxa de crescimento da populaccedilatildeo em meacutedia a produccedilatildeo por pessoa deve aumentar Contudo lembre-se de que o que importa para as pessoas eacute o valor real da moeda traduzido no poder de compra da sua renda (salaacuterios juros e alugueacuteis) Onde estiver ocorrendo um processo de mudanccedila de preccedilos (inflaccedilatildeo ou deflaccedilatildeo) vamos falar em PIB real Portanto o PIB real deve ser compreendido como uma medida de produto que leva em conta as alteraccedilotildees dos preccedilos e natildeo pode ser desprezada

Mas o que determina o crescimento

Como jaacute explicitado a variaccedilatildeo do PIB eacute a medida do crescimento econocircmico Assim precisamos saber quais satildeo os componentes do PIB para saber o que realmente determina o crescimento econocircmico de um paiacutes

Separamos para vocecirc uma equaccedilatildeo que representa os condicionantes do crescimento econocircmico Veja a Figura 9

Figura 9 Condicionantes do crescimento econocircmico Fonte Elaborada pelos autores

NOTASVamos analisar agora cada um dos componentes separadamente

bull Consumo das famiacutelias ao se apropriarem de suas rendas as famiacutelias destinam uma parte ao consumo de bens e serviccedilos Quanto mais as famiacutelias consumirem mais as empresas teratildeo que produzir para suprir as demandas por bens e serviccedilos das pessoas Vale ressaltar que famiacutelias de baixa renda tendem a consumir proporcionalmente mais de suas rendas pois natildeo adquiriram todos os bens de que necessitam Destaca-se entatildeo a importacircncia de uma distribuiccedilatildeo de renda equitativa no paiacutes pois famiacutelias de baixa renda consomem pouco e caso tenham incrementos em seus ganhos passaratildeo a consumir mais impulsionando o crescimento econocircmico

bull Investimento das empresas eacute uma das mais importantes variaacuteveis para o crescimento de um paiacutes Ao investirem as firmas elevam os niacuteveis de emprego produto e renda As induacutestrias na maioria das vezes natildeo possuem recursos suficientes para realizar seus planos de investimento e com isso precisam recorrer a empreacutestimos junto agraves instituiccedilotildees financeiras pagando uma determinada taxa de juros pelo dinheiro que tomam emprestado Ao fazerem seus planos de investimento as empresas calculam aproximadamente a rentabilidade que tal investimento vai lhes proporcionar Caso a lucratividade do investimento seja maior que os juros que deveratildeo ser pagos pelo financiamento a empresa realizaraacute seus planos caso contraacuterio tal investimento tornaraacute inviaacutevel Portanto para que exista um niacutevel de investimento elevado na economia eacute necessaacuterio que se mantenha a taxa de juros baixa

NOTASbull Gasto puacuteblico ao fazer obras construir operar suas estatais etc o governo estaacute empregando mais pessoas expandindo o niacutevel de emprego e ao mesmo tempo dando condiccedilotildees para que as empresas produzam mais Assim ao comprar e produzir mais o governo causa uma elevaccedilatildeo da produccedilatildeo e do niacutevel de emprego e aumenta o niacutevel de renda da economia

bull Exportaccedilatildeo liacutequida satildeo as exportaccedilotildees menos as importaccedilotildees realizadas por um determinado paiacutes Quanto maior o saldo maiores o niacutevel de emprego e o crescimento econocircmico jaacute que a produccedilatildeo deve aumentar quanto menor o saldo menor o niacutevel de emprego pois produtos que eram produzidos aqui passam a ser comprados do exterior piorando a produccedilatildeo da economia Eacute oacutebvio que nenhum paiacutes fica sem comprar e vender para o exterior mas o ideal eacute aumentar o niacutevel de exportaccedilotildees e diminuir o de importaccedilotildees O Sistema de Contas Nacionais e a consequente mensuraccedilatildeo dos agregados possibilitam uma avaliaccedilatildeo quantitativa do produto que uma economia pode ser capaz de gerar num determinado periacuteodo de tempo Tal medida vem sendo considerada um importante indicador de desempenho econocircmico e mostra a capacidade de geraccedilatildeo de renda das economias Portanto quando o objetivo da poliacutetica econocircmica for de crescimento econocircmico automaticamente se estaraacute procurando expandir o niacutevel de produccedilatildeo e consequentemente o niacutevel de emprego da economia

A mensuraccedilatildeo das variaacuteveis econocircmicas possibilita a avaliaccedilatildeo quantitativa do produto que uma economia torna capaz de gerar num determinado periacuteodo de tempo Tal medida eacute considerada um importante

NOTASindicador de desempenho econocircmico e identifica a capacidade de geraccedilatildeo de renda da economia Entretanto se nos preocuparmos com a qualidade de vida da populaccedilatildeo iremos ver que o produto agregado seraacute inadequado

Na avaliaccedilatildeo da qualidade de vida da populaccedilatildeo eacute necessaacuterio considerarmos natildeo apenas os aspectos econocircmicos mas tambeacutem aqueles ligados agrave oferta de bens puacuteblicos como sauacutede e educaccedilatildeo que acabam afetando diretamente o nosso bem-estar A utilizaccedilatildeo de indicadores sociais parte da avaliaccedilatildeo da riqueza de uma regiatildeo e insere-se na discussatildeo entre crescimento e desenvolvimento econocircmico

A preocupaccedilatildeo com o bem-estar da sociedade nos remete ao confronto de dois importantes conceitos CRESCIMENTO ECONOcircMICO versus DESENVOLVIMENTO ECONOcircMICO Eacute possiacutevel observarmos nas sociedades em fase de desenvolvimento ou subdesenvolvidas a ocorrecircncia de crescimento sem desenvolvimento Contudo se o crescimento for muito concentrado ou seja mal distribuiacutedo a maior parte da populaccedilatildeo natildeo se beneficiaraacute da elevaccedilatildeo da renda gerada na economia

Vale a pena observar que uma das formas de avaliar o desenvolvimento eacute acompanhar a evoluccedilatildeo de alguns indicadores relativos agrave sauacutede e agrave educaccedilatildeo porque seu comportamento fornece uma boa aproximaccedilatildeo do que estaacute ocorrendo com a qualidade de vida da populaccedilatildeo

Algumas instituiccedilotildees internacionais como o Banco Mundial e o Programa das Naccedilotildees Unidas para o Desenvolvimento (PNUD) vecircm divulgando sistematicamente dados como os de expectativas de vida mortalidade infantil condiccedilotildees sanitaacuterias niacutevel e qualidade da educaccedilatildeo do paiacutes

Tais estatiacutesticas aleacutem de permitirem avaliar a qualidade de vida de um paiacutes possibilitam comparaccedilotildees entre os paiacuteses e fornecem uma ideia

NOTASmais precisa do que vem a ser caracterizado como um paiacutes desenvolvido O Iacutendice de Desenvolvimento Humano (IDH) publicado nos Relatoacuterios do PNUD tem como objetivo avaliar a qualidade de vida nos paiacuteses O PNUD calcula o IDH desde o iniacutecio dos anos 1990 e atualmente o estima para muitos outros paiacuteses

O IDH agrega em sua metodologia de caacutelculo trecircs variaacuteveis

bull Indicador de renda eacute a renda per capita ajustada para refletir a paridade do poder de compra (PPP) entre os paiacuteses (portanto renda avaliada em US$ PPP)

bull Indicador das condiccedilotildees de sauacutede eacute a expectativa de vida (iacutendice de longevidade) e

bull Indicador das condiccedilotildees de educaccedilatildeo eacute uma meacutedia ponderada de outros dois indicadores a taxa de alfabetizaccedilatildeo de adultos e a taxa combinada de matriacutecula nos Ensinos Fundamental Meacutedio e Superior

Por fim eacute importante destacarmos que o IDH varia de zero a um permitindo classificar os paiacuteses em trecircs grupos distintos

bull baixo desenvolvimento quando o IDH for menor ou igual a 05

bull meacutedio desenvolvimento quando o IDH estiver entre 05 e 08 e

bull alto desenvolvimento quando o IDH for maior que 08

Amplie seu conhecimento atraveacutes das indicaccedilotildees a seguir

Portal do Instituto Brasileiro de Geografia e Estatiacutestica ndash onde vocecirc tem

informaccedilotildees sobre como eacute calculado o PIB no Brasil e sua evoluccedilatildeo

durante os uacuteltimos anos

Portal Ipeadata ndash eacute uma base de dados macroeconocircmicos financeiros

e regionais do Brasil que oferece tambeacutem cataacutelogo de seacuteries e fontes

dicionaacuterio de conceitos econocircmicos histoacuterico das alteraccedilotildees da moeda

nacional e dicas sobre meacutetodos e fontes utilizadas

Portal Programa das Naccedilotildees Unidas para o Desenvolvimento (PNUD)

ndash aqui eacute possiacutevel conhecer mais sobre o Iacutendice de Desenvolvimento

Humano (IDH) e sua evoluccedilatildeo nos principais paiacuteses Para tanto acesse

Complementando

REFEREcircNCIA

MENDES Carlos Magno et al - Introduccedilatildeo agrave Economia Florianoacutepolis Departamento de Ciecircncias da Administraccedilatildeo UFSC [Brasiacutelia] CAPES UAB 2009

Iacutendice

Conceitos Fundamentais da Economia

Mensuraccedilatildeo da Atividade Econocircmica

Iacutendice

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IacuteNDICE

Saiba mais

e mercado cambial

MERCADO

bull propaganda

bull haacutebitos

bull tecnologia

bull expectativa e

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

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Iacutendice 3

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Button 49

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Iacutendice 1

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Saiba mais

e mercado cambial

MERCADO

bull propaganda

bull haacutebitos

bull tecnologia

bull expectativa e

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

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Text Field 02

Box Nota 05

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Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

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Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

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Text Field 05

Marginais

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Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

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Botatildeo WWW 0018

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Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

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Nota

Box Nota

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Box Nota 013

Botatildeo Nota 013

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Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

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Text Field 017

Text Field 018

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Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

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Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

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Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

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Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

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Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

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Text Field 037

Text Field 038

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Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

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Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

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2

Iacutendice 2

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Box Nota 05

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Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

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Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

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Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

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Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

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Button 49

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i

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2

Iacutendice 2

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Text Field 01

Text Field 02

Box Nota 05

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Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

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Button 49

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Iacutendice 1

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Saiba mais

e mercado cambial

MERCADO

bull propaganda

bull haacutebitos

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Benssubstitutos

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Complementando

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Iacutendice

Iacutendice

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2

Iacutendice 2

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

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Iacutendice

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i

Button 41

2

Iacutendice 2

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

Saiba mais

e mercado cambial

MERCADO

bull propaganda

bull haacutebitos

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Benssubstitutos

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Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

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i

Button 41

2

Iacutendice 2

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

Saiba mais

e mercado cambial

MERCADO

bull propaganda

bull haacutebitos

bull tecnologia

bull expectativa e

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

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2

Iacutendice 2

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

Saiba mais

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MERCADO

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bull haacutebitos

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Benssubstitutos

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Complementando

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Iacutendice

Iacutendice

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i

Button 41

2

Iacutendice 2

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

Saiba mais

e mercado cambial

MERCADO

bull propaganda

bull haacutebitos

bull tecnologia

bull expectativa e

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

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i

Button 41

2

Iacutendice 2

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Button 31

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

Saiba mais

e mercado cambial

MERCADO

bull propaganda

bull haacutebitos

bull tecnologia

bull expectativa e

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

Page 32 Off

Page 43 Off

Page 54 Off

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Page 5857 Off

i

Button 41

2

Iacutendice 2

Page 3 Off

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

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Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

Saiba mais

e mercado cambial

MERCADO

bull propaganda

bull haacutebitos

bull tecnologia

bull expectativa e

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

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i

Button 41

2

Iacutendice 2

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

e mercado cambial

MERCADO

bull propaganda

bull haacutebitos

bull tecnologia

bull expectativa e

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

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i

Button 41

2

Iacutendice 2

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Button 30

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Button 31

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

e mercado cambial

MERCADO

bull propaganda

bull haacutebitos

bull tecnologia

bull expectativa e

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

Page 32 Off

Page 43 Off

Page 54 Off

Page 65 Off

Page 76 Off

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Page 109 Off

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Page 5756 Off

Page 5857 Off

i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

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Page 107 Off

Page 118 Off

Page 129 Off

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Button 31

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

e mercado cambial

MERCADO

bull propaganda

bull haacutebitos

bull tecnologia

bull expectativa e

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

Page 32 Off

Page 43 Off

Page 54 Off

Page 65 Off

Page 76 Off

Page 87 Off

Page 98 Off

Page 109 Off

Page 1110 Off

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Page 5554 Off

Page 5655 Off

Page 5756 Off

Page 5857 Off

i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

Page 1411 Off

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Page 1815 Off

Page 1916 Off

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Button 30

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

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Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

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Button 31

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

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Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

e mercado cambial

MERCADO

bull propaganda

bull haacutebitos

bull tecnologia

bull expectativa e

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

Page 32 Off

Page 43 Off

Page 54 Off

Page 65 Off

Page 76 Off

Page 87 Off

Page 98 Off

Page 109 Off

Page 1110 Off

Page 1211 Off

Page 1312 Off

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Page 1918 Off

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Page 2423 Off

Page 2524 Off

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Page 4948 Off

Page 5049 Off

Page 5150 Off

Page 5251 Off

Page 5352 Off

Page 5453 Off

Page 5554 Off

Page 5655 Off

Page 5756 Off

Page 5857 Off

i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

Page 1411 Off

Page 1512 Off

Page 1613 Off

Page 1714 Off

Page 1815 Off

Page 1916 Off

Page 2017 Off

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Page 5249 Off

Page 5350 Off

Page 5451 Off

Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Button 30

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

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Page 5047 Off

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Page 5451 Off

Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Button 31

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

Page 1411 Off

Page 1512 Off

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Page 1815 Off

Page 1916 Off

Page 2017 Off

Page 2118 Off

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Page 4845 Off

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Page 5047 Off

Page 5148 Off

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Page 5350 Off

Page 5451 Off

Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

e mercado cambial

MERCADO

bull propaganda

bull haacutebitos

bull tecnologia

bull expectativa e

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

Page 32 Off

Page 43 Off

Page 54 Off

Page 65 Off

Page 76 Off

Page 87 Off

Page 98 Off

Page 109 Off

Page 1110 Off

Page 1211 Off

Page 1312 Off

Page 1413 Off

Page 1514 Off

Page 1615 Off

Page 1716 Off

Page 1817 Off

Page 1918 Off

Page 2019 Off

Page 2120 Off

Page 2221 Off

Page 2322 Off

Page 2423 Off

Page 2524 Off

Page 2625 Off

Page 2726 Off

Page 2827 Off

Page 2928 Off

Page 3029 Off

Page 3130 Off

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Page 4948 Off

Page 5049 Off

Page 5150 Off

Page 5251 Off

Page 5352 Off

Page 5453 Off

Page 5554 Off

Page 5655 Off

Page 5756 Off

Page 5857 Off

i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

Page 1411 Off

Page 1512 Off

Page 1613 Off

Page 1714 Off

Page 1815 Off

Page 1916 Off

Page 2017 Off

Page 2118 Off

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Page 4946 Off

Page 5047 Off

Page 5148 Off

Page 5249 Off

Page 5350 Off

Page 5451 Off

Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Button 30

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

Page 1411 Off

Page 1512 Off

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Page 1714 Off

Page 1815 Off

Page 1916 Off

Page 2017 Off

Page 2118 Off

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Button 31

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

e mercado cambial

MERCADO

bull propaganda

bull haacutebitos

bull tecnologia

bull expectativa e

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

Page 32 Off

Page 43 Off

Page 54 Off

Page 65 Off

Page 76 Off

Page 87 Off

Page 98 Off

Page 109 Off

Page 1110 Off

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Page 5554 Off

Page 5655 Off

Page 5756 Off

Page 5857 Off

i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

Page 1411 Off

Page 1512 Off

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Page 1815 Off

Page 1916 Off

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Page 5552 Off

Page 5653 Off

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Page 5855 Off

Button 30

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

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Page 107 Off

Page 118 Off

Page 129 Off

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Button 31

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

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Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

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Page 5855 Off

Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

e mercado cambial

MERCADO

bull propaganda

bull haacutebitos

bull tecnologia

bull expectativa e

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

Page 32 Off

Page 43 Off

Page 54 Off

Page 65 Off

Page 76 Off

Page 87 Off

Page 98 Off

Page 109 Off

Page 1110 Off

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Page 1312 Off

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Page 1918 Off

Page 2019 Off

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Page 2423 Off

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Page 3029 Off

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Page 4948 Off

Page 5049 Off

Page 5150 Off

Page 5251 Off

Page 5352 Off

Page 5453 Off

Page 5554 Off

Page 5655 Off

Page 5756 Off

Page 5857 Off

i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

Page 1411 Off

Page 1512 Off

Page 1613 Off

Page 1714 Off

Page 1815 Off

Page 1916 Off

Page 2017 Off

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Page 4946 Off

Page 5047 Off

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Page 5249 Off

Page 5350 Off

Page 5451 Off

Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Button 30

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

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Page 4946 Off

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Page 5451 Off

Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Button 31

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

Page 1411 Off

Page 1512 Off

Page 1613 Off

Page 1714 Off

Page 1815 Off

Page 1916 Off

Page 2017 Off

Page 2118 Off

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Page 4845 Off

Page 4946 Off

Page 5047 Off

Page 5148 Off

Page 5249 Off

Page 5350 Off

Page 5451 Off

Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

e mercado cambial

MERCADO

bull propaganda

bull haacutebitos

bull tecnologia

bull expectativa e

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

Page 32 Off

Page 43 Off

Page 54 Off

Page 65 Off

Page 76 Off

Page 87 Off

Page 98 Off

Page 109 Off

Page 1110 Off

Page 1211 Off

Page 1312 Off

Page 1413 Off

Page 1514 Off

Page 1615 Off

Page 1716 Off

Page 1817 Off

Page 1918 Off

Page 2019 Off

Page 2120 Off

Page 2221 Off

Page 2322 Off

Page 2423 Off

Page 2524 Off

Page 2625 Off

Page 2726 Off

Page 2827 Off

Page 2928 Off

Page 3029 Off

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Page 4948 Off

Page 5049 Off

Page 5150 Off

Page 5251 Off

Page 5352 Off

Page 5453 Off

Page 5554 Off

Page 5655 Off

Page 5756 Off

Page 5857 Off

i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

Page 1411 Off

Page 1512 Off

Page 1613 Off

Page 1714 Off

Page 1815 Off

Page 1916 Off

Page 2017 Off

Page 2118 Off

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Page 4946 Off

Page 5047 Off

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Page 5249 Off

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Page 5451 Off

Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Button 30

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

Page 1411 Off

Page 1512 Off

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Page 1714 Off

Page 1815 Off

Page 1916 Off

Page 2017 Off

Page 2118 Off

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Page 4946 Off

Page 5047 Off

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Page 5350 Off

Page 5451 Off

Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Button 31

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

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Page 5552 Off

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Page 5754 Off

Page 5855 Off

Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

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Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

e mercado cambial

MERCADO

bull propaganda

bull haacutebitos

bull tecnologia

bull expectativa e

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

Page 32 Off

Page 43 Off

Page 54 Off

Page 65 Off

Page 76 Off

Page 87 Off

Page 98 Off

Page 109 Off

Page 1110 Off

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Page 5554 Off

Page 5655 Off

Page 5756 Off

Page 5857 Off

i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

Page 1411 Off

Page 1512 Off

Page 1613 Off

Page 1714 Off

Page 1815 Off

Page 1916 Off

Page 2017 Off

Page 2118 Off

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Page 5047 Off

Page 5148 Off

Page 5249 Off

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Page 5451 Off

Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Button 30

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

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Page 5653 Off

Page 5754 Off

Page 5855 Off

Button 31

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

Page 1411 Off

Page 1512 Off

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Page 1916 Off

Page 2017 Off

Page 2118 Off

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Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

e mercado cambial

MERCADO

bull propaganda

bull haacutebitos

bull tecnologia

bull expectativa e

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

Page 32 Off

Page 43 Off

Page 54 Off

Page 65 Off

Page 76 Off

Page 87 Off

Page 98 Off

Page 109 Off

Page 1110 Off

Page 1211 Off

Page 1312 Off

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Page 1514 Off

Page 1615 Off

Page 1716 Off

Page 1817 Off

Page 1918 Off

Page 2019 Off

Page 2120 Off

Page 2221 Off

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Page 2423 Off

Page 2524 Off

Page 2625 Off

Page 2726 Off

Page 2827 Off

Page 2928 Off

Page 3029 Off

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Page 4948 Off

Page 5049 Off

Page 5150 Off

Page 5251 Off

Page 5352 Off

Page 5453 Off

Page 5554 Off

Page 5655 Off

Page 5756 Off

Page 5857 Off

i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

Page 1411 Off

Page 1512 Off

Page 1613 Off

Page 1714 Off

Page 1815 Off

Page 1916 Off

Page 2017 Off

Page 2118 Off

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Page 4946 Off

Page 5047 Off

Page 5148 Off

Page 5249 Off

Page 5350 Off

Page 5451 Off

Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Button 30

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

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Page 1916 Off

Page 2017 Off

Page 2118 Off

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Page 4946 Off

Page 5047 Off

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Page 5451 Off

Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Button 31

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

Page 1411 Off

Page 1512 Off

Page 1613 Off

Page 1714 Off

Page 1815 Off

Page 1916 Off

Page 2017 Off

Page 2118 Off

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Page 4845 Off

Page 4946 Off

Page 5047 Off

Page 5148 Off

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Page 5350 Off

Page 5451 Off

Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

MERCADO

bull propaganda

bull haacutebitos

bull tecnologia

bull expectativa e

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

Page 32 Off

Page 43 Off

Page 54 Off

Page 65 Off

Page 76 Off

Page 87 Off

Page 98 Off

Page 109 Off

Page 1110 Off

Page 1211 Off

Page 1312 Off

Page 1413 Off

Page 1514 Off

Page 1615 Off

Page 1716 Off

Page 1817 Off

Page 1918 Off

Page 2019 Off

Page 2120 Off

Page 2221 Off

Page 2322 Off

Page 2423 Off

Page 2524 Off

Page 2625 Off

Page 2726 Off

Page 2827 Off

Page 2928 Off

Page 3029 Off

Page 3130 Off

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Page 4847 Off

Page 4948 Off

Page 5049 Off

Page 5150 Off

Page 5251 Off

Page 5352 Off

Page 5453 Off

Page 5554 Off

Page 5655 Off

Page 5756 Off

Page 5857 Off

i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

Page 1411 Off

Page 1512 Off

Page 1613 Off

Page 1714 Off

Page 1815 Off

Page 1916 Off

Page 2017 Off

Page 2118 Off

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Page 4946 Off

Page 5047 Off

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Page 5350 Off

Page 5451 Off

Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Button 30

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

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Page 2017 Off

Page 2118 Off

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Page 4946 Off

Page 5047 Off

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Page 5451 Off

Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Button 31

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

Page 1411 Off

Page 1512 Off

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Page 2017 Off

Page 2118 Off

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Page 5047 Off

Page 5148 Off

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Page 5451 Off

Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

MERCADO

bull propaganda

bull haacutebitos

bull tecnologia

bull expectativa e

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

Page 32 Off

Page 43 Off

Page 54 Off

Page 65 Off

Page 76 Off

Page 87 Off

Page 98 Off

Page 109 Off

Page 1110 Off

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Page 5554 Off

Page 5655 Off

Page 5756 Off

Page 5857 Off

i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

Page 1411 Off

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Page 1916 Off

Page 2017 Off

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Page 5047 Off

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Page 5249 Off

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Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Button 30

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

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Page 5855 Off

Button 31

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

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Page 5148 Off

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Page 5451 Off

Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

MERCADO

bull propaganda

bull haacutebitos

bull tecnologia

bull expectativa e

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

Page 32 Off

Page 43 Off

Page 54 Off

Page 65 Off

Page 76 Off

Page 87 Off

Page 98 Off

Page 109 Off

Page 1110 Off

Page 1211 Off

Page 1312 Off

Page 1413 Off

Page 1514 Off

Page 1615 Off

Page 1716 Off

Page 1817 Off

Page 1918 Off

Page 2019 Off

Page 2120 Off

Page 2221 Off

Page 2322 Off

Page 2423 Off

Page 2524 Off

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Page 2726 Off

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Page 3130 Off

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Page 4948 Off

Page 5049 Off

Page 5150 Off

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Page 5352 Off

Page 5453 Off

Page 5554 Off

Page 5655 Off

Page 5756 Off

Page 5857 Off

i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

Page 1411 Off

Page 1512 Off

Page 1613 Off

Page 1714 Off

Page 1815 Off

Page 1916 Off

Page 2017 Off

Page 2118 Off

Page 2219 Off

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Page 5047 Off

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Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Button 30

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

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Page 2017 Off

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Page 5653 Off

Page 5754 Off

Page 5855 Off

Button 31

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

Page 1411 Off

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Page 1613 Off

Page 1714 Off

Page 1815 Off

Page 1916 Off

Page 2017 Off

Page 2118 Off

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Page 5451 Off

Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

MERCADO

bull propaganda

bull haacutebitos

bull tecnologia

bull expectativa e

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

Page 32 Off

Page 43 Off

Page 54 Off

Page 65 Off

Page 76 Off

Page 87 Off

Page 98 Off

Page 109 Off

Page 1110 Off

Page 1211 Off

Page 1312 Off

Page 1413 Off

Page 1514 Off

Page 1615 Off

Page 1716 Off

Page 1817 Off

Page 1918 Off

Page 2019 Off

Page 2120 Off

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Page 2322 Off

Page 2423 Off

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Page 4948 Off

Page 5049 Off

Page 5150 Off

Page 5251 Off

Page 5352 Off

Page 5453 Off

Page 5554 Off

Page 5655 Off

Page 5756 Off

Page 5857 Off

i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

Page 1411 Off

Page 1512 Off

Page 1613 Off

Page 1714 Off

Page 1815 Off

Page 1916 Off

Page 2017 Off

Page 2118 Off

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Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Button 30

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

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Page 2017 Off

Page 2118 Off

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Page 5451 Off

Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Button 31

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

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Page 2017 Off

Page 2118 Off

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Page 5451 Off

Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

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Text Field 05

Marginais

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Text Field 06

Text Field 07

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Botatildeo WWW 0015

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Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

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Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

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Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

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Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

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Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

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Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

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Text Field 043

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Text Field 044

Nota 19

Box Nota 19

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Text Field 045

Text Field 046

Text Field 047

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Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

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Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

bull propaganda

bull haacutebitos

bull tecnologia

bull expectativa e

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

Page 32 Off

Page 43 Off

Page 54 Off

Page 65 Off

Page 76 Off

Page 87 Off

Page 98 Off

Page 109 Off

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Page 5655 Off

Page 5756 Off

Page 5857 Off

i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

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Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Button 30

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

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Page 107 Off

Page 118 Off

Page 129 Off

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Button 31

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

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Page 107 Off

Page 118 Off

Page 129 Off

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Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

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Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

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Botatildeo WWW 0013

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Text Field 06

Text Field 07

Box Nota 012

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Botatildeo WWW 0015

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Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

bull propaganda

bull haacutebitos

bull tecnologia

bull expectativa e

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

Page 32 Off

Page 43 Off

Page 54 Off

Page 65 Off

Page 76 Off

Page 87 Off

Page 98 Off

Page 109 Off

Page 1110 Off

Page 1211 Off

Page 1312 Off

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Page 1716 Off

Page 1817 Off

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Page 5554 Off

Page 5655 Off

Page 5756 Off

Page 5857 Off

i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

Page 1411 Off

Page 1512 Off

Page 1613 Off

Page 1714 Off

Page 1815 Off

Page 1916 Off

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Page 5754 Off

Page 5855 Off

Button 30

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

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Page 107 Off

Page 118 Off

Page 129 Off

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Page 5754 Off

Page 5855 Off

Button 31

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

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Page 1916 Off

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Page 5754 Off

Page 5855 Off

Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

bull propaganda

bull haacutebitos

bull tecnologia

bull expectativa e

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

Page 32 Off

Page 43 Off

Page 54 Off

Page 65 Off

Page 76 Off

Page 87 Off

Page 98 Off

Page 109 Off

Page 1110 Off

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Page 5554 Off

Page 5655 Off

Page 5756 Off

Page 5857 Off

i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

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Page 5855 Off

Button 30

Page 3 Off

Page 41 Off

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Page 74 Off

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Page 107 Off

Page 118 Off

Page 129 Off

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Page 5653 Off

Page 5754 Off

Page 5855 Off

Button 31

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

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Page 5855 Off

Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

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Botatildeo Nota 013

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Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

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Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

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Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

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Text Field 028

Text Field 029

Text Field 030

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Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

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Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

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Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

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Text Field 043

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Text Field 044

Nota 19

Box Nota 19

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Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

bull propaganda

bull haacutebitos

bull tecnologia

bull expectativa e

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

Page 32 Off

Page 43 Off

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i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

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Page 118 Off

Page 129 Off

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Button 30

Page 3 Off

Page 41 Off

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Page 107 Off

Page 118 Off

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Button 31

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

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Page 107 Off

Page 118 Off

Page 129 Off

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

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Grifo 04

Text Field 04

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Text Field 05

Marginais

Box Marginais

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Text Field 06

Text Field 07

Box Nota 012

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Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

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Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

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Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

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Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

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Text Field 043

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Text Field 044

Nota 19

Box Nota 19

Box Nota 020

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Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

bull tecnologia

bull expectativa e

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

Page 32 Off

Page 43 Off

Page 54 Off

Page 65 Off

Page 76 Off

Page 87 Off

Page 98 Off

Page 109 Off

Page 1110 Off

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Page 5756 Off

Page 5857 Off

i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

Page 1411 Off

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Page 5855 Off

Button 30

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

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Page 107 Off

Page 118 Off

Page 129 Off

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Page 5754 Off

Page 5855 Off

Button 31

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

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Page 5855 Off

Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

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Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

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Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

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Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

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Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

bull tecnologia

bull expectativa e

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

Page 32 Off

Page 43 Off

Page 54 Off

Page 65 Off

Page 76 Off

Page 87 Off

Page 98 Off

Page 109 Off

Page 1110 Off

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Page 5655 Off

Page 5756 Off

Page 5857 Off

i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

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Page 5653 Off

Page 5754 Off

Page 5855 Off

Button 30

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

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Page 5552 Off

Page 5653 Off

Page 5754 Off

Page 5855 Off

Button 31

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

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Page 5754 Off

Page 5855 Off

Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

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Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

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Text Field 06

Text Field 07

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Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

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Nota 13b

Box Nota 13

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Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

bull tecnologia

bull expectativa e

Benssubstitutos

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Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

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Button 41

2

Iacutendice 2

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Button 31

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Grifo 01

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Text Field 03

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Nota 6

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Text Field 021

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Nota 8

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Box Nota 11

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Nota 13b

Box Nota 13

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Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

Benssubstitutos

Benscomplementares

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

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i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

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Button 31

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

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Text Field 04

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Text Field 08

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Text Field 011

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Box Nota 3

Text Field 016

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Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

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Nota 8

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Text Field 022

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Nota 10b

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Box Nota 11

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Nota 13

Nota 13b

Box Nota 13

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Text Field 035

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Nota 16

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Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

Benssubstitutos

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Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

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i

Button 41

2

Iacutendice 2

Page 3 Off

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Button 30

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Button 31

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Text Field 01

Text Field 02

Box Nota 05

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Grifo 01

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Text Field 03

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Botatildeo WWW 006

Botatildeo WWW 007

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Text Field 04

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Text Field 020

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Text Field 021

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Text Field 022

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Nota 13

Nota 13b

Box Nota 13

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Nota 16

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Iacutendice

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2

Iacutendice 2

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Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

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Iacutendice

Iacutendice

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Button 41

2

Iacutendice 2

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Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

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Text Field 04

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Nota 6

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Text Field 020

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Text Field 021

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Nota 13b

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Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

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Iacutendice

Iacutendice

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Button 41

2

Iacutendice 2

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Text Field 02

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Grifo 01

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Text Field 03

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Botatildeo WWW 007

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Text Field 021

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Nota 13b

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Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

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Iacutendice 1

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Iacutendice

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i

Button 41

2

Iacutendice 2

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

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Text Field 04

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Text Field 05

Marginais

Box Marginais

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Text Field 08

Text Field 09

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Text Field 011

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Nota

Box Nota

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Box Nota 3

Text Field 016

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Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

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Text Field 022

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Box Nota 9

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Nota 10b

Box Nota 10

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Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

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Text Field 028

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Nota 13

Nota 13b

Box Nota 13

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Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

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Text Field 038

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Box Nota 17

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Box Nota 18

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Text Field 043

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Nota 19

Box Nota 19

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Text Field 045

Text Field 046

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Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

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Button 41

2

Iacutendice 2

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Button 30

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Button 31

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

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Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

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Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

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Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

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Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

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Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

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Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

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Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

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Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

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Button 41

2

Iacutendice 2

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Button 30

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Button 31

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

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Botatildeo WWW 0018

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Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

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Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

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Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

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i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

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Button 30

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Button 31

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

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i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

Page 1310 Off

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Button 30

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Page 41 Off

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Page 107 Off

Page 118 Off

Page 129 Off

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Button 31

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Page 41 Off

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Page 107 Off

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Page 129 Off

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

Page 32 Off

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Page 5655 Off

Page 5756 Off

Page 5857 Off

i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

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Page 107 Off

Page 118 Off

Page 129 Off

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Button 30

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Button 31

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Page 41 Off

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Page 63 Off

Page 74 Off

Page 85 Off

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Page 107 Off

Page 118 Off

Page 129 Off

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

Botatildeo WWW 0026

Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

Page 32 Off

Page 43 Off

Page 54 Off

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Page 5655 Off

Page 5756 Off

Page 5857 Off

i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

Page 52 Off

Page 63 Off

Page 74 Off

Page 85 Off

Page 96 Off

Page 107 Off

Page 118 Off

Page 129 Off

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Button 30

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Button 31

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

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Text Field 04

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Text Field 07

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Text Field 08

Text Field 09

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Text Field 011

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Nota

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Box Nota 3

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Nota 6

Box Nota 4

Text Field 020

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Text Field 021

Nota 7

Nota 8

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Text Field 022

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Nota 10b

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Box Nota 11

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Nota 13b

Box Nota 13

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Box Nota 14

Text Field 035

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Nota 16

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Box Nota 20

Text Field 049

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Nota 23

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Text Field 050

Nota 24

Box Nota 24

Text Field 051

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Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

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Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

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Page 21 Off

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i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

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Button 30

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Button 31

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

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Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

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Text Field 06

Text Field 07

Box Nota 012

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Botatildeo WWW 0018

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Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

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Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

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Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

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Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

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Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

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Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

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Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

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Text Field 043

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Text Field 044

Nota 19

Box Nota 19

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Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

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Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

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i

Button 41

2

Iacutendice 2

Page 3 Off

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Button 30

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Button 31

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

Botatildeo Nota 09

Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

Box Nota 011

Botatildeo WWW 0011

Botatildeo WWW 0012

Botatildeo WWW 0013

Botatildeo Nota 011

Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

Botatildeo WWW 0015

Botatildeo WWW 0016

Botatildeo WWW 0018

Botatildeo WWW 0017

Botatildeo WWW 0019

Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

Botatildeo Nota 016

Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

Botatildeo Nota 017

Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

Botatildeo WWW 0025

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Botatildeo Nota 018

Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

Grifo 011

Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

Botatildeo WWW 0027

Botatildeo Nota 019

Text Field 043

Grifo 012

Text Field 044

Nota 19

Box Nota 19

Box Nota 020

Botatildeo WWW 0028

Botatildeo Nota 020

Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

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Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

Page 32 Off

Page 43 Off

Page 54 Off

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i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

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Button 30

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Button 31

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Page 59 Off

Button 49

Page 59 Off

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Page 59 Off

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Iacutendice

Iacutendice

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Button 41

2

Iacutendice 2

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Grifo 01

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Button 63

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Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

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Iacutendice

Iacutendice

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i

Button 41

2

Iacutendice 2

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Button 31

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

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Grifo 03

Text Field 03

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Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

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Grifo 04

Text Field 04

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Text Field 05

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Text Field 08

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Text Field 011

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Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

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Nota 8

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Text Field 022

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Nota 10b

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Box Nota 11

Text Field 027

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Nota 13b

Box Nota 13

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Text Field 035

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Nota 16

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Box Nota 20

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Text Field 050

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Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

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Iacutendice

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i

Button 41

2

Iacutendice 2

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Button 30

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Button 31

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

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Text Field 021

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Nota 8

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Nota 13b

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Button 63

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Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

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i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

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Button 30

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Button 31

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Page 107 Off

Page 118 Off

Page 129 Off

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

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Text Field 04

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Text Field 08

Text Field 09

Text Field 010

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Text Field 011

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Nota

Box Nota

Nota 2

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Text Field 015

Nota 3

Box Nota 3

Text Field 016

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Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

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Text Field 022

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Box Nota 9

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Nota 10

Nota 10b

Box Nota 10

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Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

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Nota 13

Nota 13b

Box Nota 13

Text Field 032

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Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

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Text Field 037

Text Field 038

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Nota 17

Box Nota 17

Text Field 041

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Nota 18

Box Nota 18

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Text Field 043

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Nota 19

Box Nota 19

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Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

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Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

Page 32 Off

Page 43 Off

Page 54 Off

Page 65 Off

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i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

Page 52 Off

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Page 74 Off

Page 85 Off

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Page 107 Off

Page 118 Off

Page 129 Off

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Button 30

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Button 31

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Page 129 Off

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

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Botatildeo Nota 010

Text Field 05

Marginais

Box Marginais

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Text Field 06

Text Field 07

Box Nota 012

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Botatildeo WWW 0018

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Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

Botatildeo Nota 013

Botatildeo WWW 0020

Text Field 015

Nota 3

Box Nota 3

Text Field 016

Box Nota 014

Botatildeo Nota 014

Botatildeo WWW 0021

Text Field 017

Text Field 018

Text Field 019

Nota 6

Box Nota 4

Text Field 020

Grifo 07

Text Field 021

Nota 7

Nota 8

Box Nota 7

Box Nota 8

Box Nota 015

Botatildeo Nota 015

Botatildeo WWW 0022

Grifo 08

Text Field 022

Nota 9

Box Nota 9

Box Nota 016

Botatildeo WWW 0023

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Text Field 023

Text Field 024

Nota 10

Nota 10b

Box Nota 10

Grifo 05

Box Nota 017

Botatildeo WWW 0024

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Text Field 025

Text Field 026

Nota 11

Box Nota 11

Text Field 027

Nota 12

Box Nota 12

Grifo 09

Box Nota 018

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Text Field 028

Text Field 029

Text Field 030

Text Field 031

Nota 13

Nota 13b

Box Nota 13

Text Field 032

Text Field 033

Text Field 034

Nota 14

Box Nota 14

Text Field 035

Text Field 036

Nota 15

Nota 16

Box Nota 15

Box Nota 16

Text Field 037

Text Field 038

Text Field 039

Grifo 010

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Text Field 040

Nota 17

Box Nota 17

Text Field 041

Text Field 042

Nota 18

Box Nota 18

Box Nota 019

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Text Field 043

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Text Field 044

Nota 19

Box Nota 19

Box Nota 020

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Text Field 045

Text Field 046

Text Field 047

Text Field 048

Nota 20

Box Nota 20

Text Field 049

Nota 21

Box Nota 21

Nota 22

Box Nota 22

Nota 23

Box Nota 23

Text Field 050

Nota 24

Box Nota 24

Text Field 051

Text Field 052

Text Field 053

Nota 25

Box Nota 25

Nota 26

Box Nota 26

Text Field 054

Box Nota 021

Botatildeo Nota 021

Text Field 055

Button 62

Button 63

Button 64

Button 65

Text Field 056

Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

Complementando

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Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

Page 32 Off

Page 43 Off

Page 54 Off

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i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

Page 52 Off

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Page 85 Off

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Page 107 Off

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Page 129 Off

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Button 30

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Button 31

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Page 107 Off

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Text Field 01

Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

Grifo 02

Grifo 03

Text Field 03

Box Nota 06

Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

Botatildeo Nota 06

Botatildeo Nota 07

Botatildeo Nota 08

Botatildeo WWW 008

Grifo 04

Text Field 04

Box Nota 09

Box Nota 010

Botatildeo WWW 009

Botatildeo WWW 0010

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Botatildeo Nota 010

Text Field 05

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Box Marginais

Box Nota 011

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Text Field 06

Text Field 07

Box Nota 012

Botatildeo WWW 0014

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Botatildeo WWW 0018

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Botatildeo Nota 012

Text Field 08

Text Field 09

Text Field 010

Grifo 06

Text Field 011

Text Field 012

Text Field 013

Text Field 014

Nota

Box Nota

Nota 2

Box Nota 2

Box Nota 013

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Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

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Page 21 Off

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Button 41

2

Iacutendice 2

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Button 31

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Botatildeo Nota 05

Grifo 01

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Text Field 03

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Botatildeo WWW 006

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Button 63

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Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

Complementando

REFEREcircNCIA

Iacutendice

Iacutendice

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Page 21 Off

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i

Button 41

2

Iacutendice 2

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Page 41 Off

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Button 30

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Button 31

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Text Field 02

Box Nota 05

Botatildeo Nota 05

Grifo 01

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Grifo 03

Text Field 03

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Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

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Text Field 04

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Nota 6

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Text Field 020

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Text Field 021

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Nota 8

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Text Field 022

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Nota 13b

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Text Field 035

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Nota 16

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Button 62

Button 63

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Iacutendice 3

Page 59 Off

Button 49

Page 59 Off

Iacutendice 1

Page 59 Off

REFEREcircNCIA

Iacutendice

Iacutendice

Page 1 Off

Page 21 Off

Page 32 Off

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i

Button 41

2

Iacutendice 2

Page 3 Off

Page 41 Off

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Button 30

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Button 31

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Text Field 02

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Grifo 01

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Text Field 03

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Box Nota 07

Box Nota 08

Botatildeo WWW 006

Botatildeo WWW 007

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Text Field 04

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Text Field 020

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Text Field 021

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Nota 8

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Grifo 010

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Botatildeo WWW 0027

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Documents

INTRODUÇÃO À ECONOMIA - repositorio.unicentro.br:8080repositorio.unicentro.br:8080/jspui/bitstream/123456789/1247/9/OLI… · A disciplina Introdução à Economia, que estamos