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position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e1998dbf08f287002436-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e1998dbf08f287002436-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e1998dbf08f287002436-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e1998dbf08f287002436-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e1998dbf08f287002436-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e1998dbf08f287002436-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e1998dbf08f287002436-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e1998dbf08f287002436-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e1998dbf08f287002436-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e1998dbf08f287002436-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            CONFERENCIA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e1998dbf08f287002436-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e1998dbf08f287002436-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e1998dbf08f287002436-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e1998dbf08f287002436-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e1998dbf08f287002436-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e1998dbf08f287002436-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e1998dbf08f287002436-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e1998dbf08f287002436-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e1998dbf08f287002436-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e1998dbf08f287002436-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e1998dbf08f287002436-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            CONFERENCIA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e1998dbf08f287002436-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e1998dbf08f287002436-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e1998dbf08f287002436-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e1998dbf08f287002436-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e1998dbf08f287002436-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e1998dbf08f287002436-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e1998dbf08f287002436-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e1998dbf08f287002436-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e1998dbf08f287002436-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e1998dbf08f287002436-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e1998dbf08f287002436-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            CONFERENCIA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e1998dbf08f287002436-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e1998dbf08f287002436-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e1998dbf08f287002436-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e1998dbf08f287002436-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e1998dbf08f287002436-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e1998dbf08f287002436-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e1998dbf08f287002436-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e1998dbf08f287002436-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e1998dbf08f287002436-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e1998dbf08f287002436-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e1998dbf08f287002436-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            CONFERENCIA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e1998dbf08f287002436-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e1998dbf08f287002436-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e1998dbf08f287002436-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e1998dbf08f287002436-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e1998dbf08f287002436-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e1998dbf08f287002436-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e1998dbf08f287002436-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e1998dbf08f287002436-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e1998dbf08f287002436-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e1998dbf08f287002436-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e1998dbf08f287002436-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            CONFERENCIA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e1998dbf08f287002436-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e1998dbf08f287002436-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e1998dbf08f287002436-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e1998dbf08f287002436-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e1998dbf08f287002436-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e1998dbf08f287002436-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e1998dbf08f287002436-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e1998dbf08f287002436-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e1998dbf08f287002436-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e1998dbf08f287002436-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e1998dbf08f287002436-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            CONFERENCIA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e1998dbf08f287002436-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e1998dbf08f287002436-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e1998dbf08f287002436-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e1998dbf08f287002436-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e1998dbf08f287002436-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e1998dbf08f287002436-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e1998dbf08f287002436-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e1998dbf08f287002436-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e1998dbf08f287002436-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e1998dbf08f287002436-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e1998dbf08f287002436-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            CONFERENCIA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e1998dbf08f287002436-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e1998dbf08f287002436-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e1998dbf08f287002436-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e1998dbf08f287002436-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e1998dbf08f287002436-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e1998dbf08f287002436-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e1998dbf08f287002436-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e1998dbf08f287002436-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e1998dbf08f287002436-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e1998dbf08f287002436-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e1998dbf08f287002436-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            CONFERENCIA          <\/button>\n        <\/a>\n              <\/div>\n      <\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>Por onde come\u00e7ar: o \u201ctamanho\u201d certo do carro para o su or\u00e7amento<\/strong><\/h2>\n\n\n\n<p>Antes de otros taxones, marca o cor, fa\u00e7a um diagn\u00f3stico r\u00e1pido de su escenario:<\/p>\n\n\n\n<ul>\n<li><strong>Regra de ouro:<\/strong> mantenha <strong>toda a vida do carro<\/strong> (parcela + combust\u00edvel + seguro + IPVA\/licenciamento + manuten\u00e7\u00e3o) <strong>dentro de 30% da renda l\u00edquida<\/strong>.<br><\/li>\n\n\n\n<li><strong>Se estourar o limite<\/strong>, ajuste uma ou mais alavancas: aumente la entrada, reduzca el valor del veh\u00edculo, junto con un poco de prazo (con atenci\u00f3n al cliente total) o adie a compra para mejorar su puntaje y renda comprovada.<br><\/li>\n<\/ul>\n\n\n\n<p>Esta etapa evita la sensaci\u00f3n de \u201cfiz o negociocio e agora virei ref\u00e9m das parcelas\u201d. Con un tema claro, voc\u00ea j\u00e1 chega \u00e0 negocia\u00e7\u00e3o saberdo <strong>o que pode eo que n\u00e3o pode<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Entendiendo la diferencia entre taxa y CET (o que realmente pesa no bolso)<\/strong><\/h2>\n\n\n\n<ul>\n<li><strong>Taxones nominales (juros)<\/strong>: \u00e9 o percentual que costuma aparecer\u00e1 no an\u00fancio.<br><\/li>\n\n\n\n<li><strong>CET (Custo Efectivo Total)<\/strong>: es o <strong>paquete completo<\/strong> do cr\u00e9dito (juros + tarifas + tributos + seguros\/servi\u00e7os agregados).<br><\/li>\n<\/ul>\n\n\n\n<p>Na pr\u00e1tica, duas propostas com a mesma taxa nominal podem ter <strong>CETs diferentes<\/strong> \u2014 e quem paga essa diferen\u00e7a \u00e9 voc\u00ea. Por eso, <strong>comparar siempre con el CET<\/strong>, pieza <strong>o demostrativo de c\u00e1lculo<\/strong> e guarde como simula\u00e7\u00f5es para confrontar bancos y lojas. Se algu\u00e9m relutar em informar o CET de forma clara <strong>antes da contrata\u00e7\u00e3o<\/strong>, encare como se\u00f1al de alerta.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Como similar direito (e fugir de armadilhas comuns)<\/strong><\/h2>\n\n\n\n<p>Monte una mini-planilha con estos campos: <strong>Valor del carro | Entrada | Valor financiado | Prazo (meses) | Parcela | hora central europea | Total a pagar | Observaciones (seguro\/tarifas)<\/strong>.<\/p>\n\n\n\n<p>\u00c1gora, <strong>varie tr\u00eas controles<\/strong>:<\/p>\n\n\n\n<ol>\n<li><strong>Entrada<\/strong>: prueba 20%, 30% y 40%. Entradas mayores <strong>reduzem os juros totais<\/strong> e costumam melhorar aprova\u00e7\u00e3o.<br><\/li>\n\n\n\n<li><strong>Prazo<\/strong>: comparar 36, 48 y 60 meses. prazo longo <strong>Alivia una parcela<\/strong>, m\u00e1s <strong>encarece o custo final<\/strong>.<br><\/li>\n\n\n\n<li><strong>Instituci\u00f3n<\/strong>: simule no banco do fabricante, em um banco tradicional e em uma fintech. A concorr\u00eancia \u00e9 sua aliada.<br><\/li>\n<\/ol>\n\n\n\n<p>Evite aceitar \u201ccombo obrigat\u00f3rio\u201d de servi\u00e7os para \u201cganhar taxa melhor\u201d. <strong>Financiamento de carro<\/strong> n\u00e3o deve vir amarrado a itens que voc\u00ea n\u00e3o desea. Seguros y adicionales s\u00e3o <strong>opcionales<\/strong>: avalie separadamente.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Como mejorar la aprobaci\u00f3n y conseguir condiciones m\u00e1s justas<\/strong><\/h2>\n\n\n\n<p>Bancos Olham <strong>riesgo<\/strong>. Quanto menor o risco percebido, <strong>melhor a condi\u00e7\u00e3o<\/strong> que aparece:<\/p>\n\n\n\n<ul>\n<li><strong>Puntuaci\u00f3n e hist\u00f3rico<\/strong>: bastante pend\u00eancias peque\u00f1as, evite atrasos y mantenha o uso do cart\u00e3o sob controle.<br><\/li>\n\n\n\n<li><strong>Renda comprovada<\/strong>:holerites\/extratos bem organizados ajudam muito; aut\u00f4nomos podem usar <strong>IR<\/strong>, <strong>pro-labore<\/strong> mi <strong>extractos<\/strong> consistentes.<br><\/li>\n\n\n\n<li><strong>Entrada maior e prazo menor<\/strong>: sinalizam responsabilidade e reduzem risco.<br><\/li>\n\n\n\n<li><strong>Relaci\u00f3n<\/strong>: ter conta ativa, sal\u00e1rio, investimentos ou hist\u00f3rico positivo no banco pode destravar taxas melhores.<br><\/li>\n<\/ul>\n\n\n\n<p>Dica t\u00e1tica: chegue com <strong>aprova\u00e7\u00e3o pr\u00e9via<\/strong> de um banco e use isso como \u00e2ncora para negociar nos demais.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Negocia\u00e7\u00e3o sem mist\u00e9rio: um roteiro que voc\u00ea pode usar hoy<\/strong><\/h2>\n\n\n\n<ol>\n<li><strong>Traga 2-3 simula\u00e7\u00f5es reales<\/strong> (con CET y demostrativo).<br><\/li>\n\n\n\n<li><strong>Diga claramente sua meta<\/strong>: \u201cQuero parcela at\u00e9 R$ X e CET at\u00e9 Y. Conseguimos?\u201d<br><\/li>\n\n\n\n<li><strong>Mostre a concorr\u00eancia<\/strong>: &quot;Tenho proposta no Banco Z com CET menor. Se ajustarem a taxa e retirarem os servi\u00e7os X e Y, fecho aqui.&quot;<br><\/li>\n\n\n\n<li><strong>Evite la prensa<\/strong>: depois do pedido, espere. Deixe o vendedor trabaja para mantener usted como cliente.<br><\/li>\n\n\n\n<li><strong>Saiba dizer n\u00e3o<\/strong>: se n\u00e3o bater sua r\u00e9gua, agrade\u00e7a e siga. Negociar es comparar \u2014 y no aceitar qualquer coisa por medo de \u201cperder a oportunidade\u201d.<br><\/li>\n<\/ol>\n\n\n\n<p>Frase \u00fatil para mesa de cr\u00e9dito: <strong>&quot;Preciso da proposta com CET final e todos os itens discriminados. Quero comparar de forma justa con otras instituciones.&quot;<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Documentos e \u201cpegadinhas\u201d que costumam pesar<\/strong><\/h2>\n\n\n\n<ul>\n<li><strong>Documentaci\u00f3n personal<\/strong>: RG\/CPF\/CNH, comprovante de residencia e renda.<br><\/li>\n\n\n\n<li><strong>Seminovo\/usado<\/strong>:confirma <strong>CRV\/CRLV<\/strong>, situaci\u00f3n de <strong>IPVA y multas<\/strong>, y exija <strong>laudo cauteloso<\/strong>.<br><\/li>\n\n\n\n<li><strong>Tarifas<\/strong>: avalia\u00e7\u00e3o, catastro, gravame, registro. lista <strong>una a una<\/strong> antes de asesinar.<br><\/li>\n\n\n\n<li><strong>Seguros e servi\u00e7os<\/strong>: protecci\u00f3n financiera, garant\u00eda extendida y similares <strong>decisiones suyas<\/strong>; n\u00e3o aceite como condici\u00f3n.<br><\/li>\n<\/ul>\n\n\n\n<p>Regra pr\u00e1tica: <strong>sem quadro-resumo do contrato e sem CET claro, n\u00e3o assine<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Zero km x seminovo: como decidir sem arrependimento<\/strong><\/h2>\n\n\n\n<p><strong>Cero km<\/strong><\/p>\n\n\n\n<ul>\n<li><strong>Ventajas<\/strong>: garant\u00eda de f\u00e1brica, previsibilidad de manuten\u00e7\u00e3o, versi\u00f3n actualizada de tecnolog\u00eda y seguridad.<br><\/li>\n\n\n\n<li><strong>Desaf\u00edos<\/strong>: precio m\u00e1s alto, deprecia\u00e7\u00e3o mais fuerte no inicio e, muchas veces, <strong>seguro mais caro<\/strong>.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Seminovo<\/strong><\/p>\n\n\n\n<ul>\n<li><strong>Ventajas<\/strong>: valor de compra menor, deprecia\u00e7\u00e3o mais suave e chance de levar vers\u00f5es mais completas pelo mesmo or\u00e7amento.<br><\/li>\n\n\n\n<li><strong>Desaf\u00edos<\/strong>: garantia mais curta, risco de manuten\u00e7\u00e3o antecipada se o hist\u00f3rico n\u00e3o for solid.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Lista de verificaci\u00f3n del seminovo bem comprado<\/strong>: laudo cautelar aprobado, <strong>nada de leil\u00e3o\/sinistro\/enchente<\/strong>, hist\u00f3rico de revisiones comprobadas, <strong>quilometragem compat\u00edvel<\/strong> com a idade (en general, 12\u201315 mil km\/a\u00f1o) y prueba de manejo sin ru\u00eddos\/sintomas.<\/p>\n\n\n\n<p>Se o <strong>financiaci\u00f3n de autom\u00f3viles<\/strong> for indispens\u00e1vel, o seminovo bem escolhido geralmente <strong>fecha melhor a conta<\/strong> Sin total de clientes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Custos de posse: inclua todo no c\u00e1lculo, n\u00e3o apenas a parcela<\/strong><\/h2>\n\n\n\n<p>Muita gente se concentra en la parcela y los dep\u00f3sitos se asusta con el resto. Para no equivocarse:<\/p>\n\n\n\n<ul>\n<li><strong>IPVA<\/strong>: varia por estado y pelo valor do ve\u00edculo. Coloque na planilha uma <strong>estimaci\u00f3n mensual<\/strong> (o equivalente al a\u00f1o dividido por 12).<br><\/li>\n\n\n\n<li><strong>Seguro<\/strong>: simule <strong>antes<\/strong> de fechar. Perfil, modelo y regi\u00f3n mudam muito o custo.<br><\/li>\n\n\n\n<li><strong>Manutenci\u00f3n<\/strong>: reserve um valor mensal \u2014 mesmo carro novo faz revis\u00e3o.<br><\/li>\n\n\n\n<li><strong>Combust\u00edvel<\/strong>: comparar consumo real do modelo. Um carro mais econ\u00f4mico pode \u201cpagar\u201d a diferen\u00e7a no longo prazo.<br><\/li>\n<\/ul>\n\n\n\n<p>Ao somar todo, confira de novo a <strong>regla dos 30%<\/strong>. Se passar, ajuste entrada, prazo e\/ou o valor do ve\u00edculo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Passo a passo resumido para fechar com seguran\u00e7a<\/strong><\/h2>\n\n\n\n<ol>\n<li><strong>Define o teto<\/strong>: at\u00e9 30% da renda l\u00edquida para toda la vida del carro.<br><\/li>\n\n\n\n<li><strong>Escolha perfil<\/strong>: cero km o seminovo (use la lista de verificaci\u00f3n).<br><\/li>\n\n\n\n<li><strong>Fa\u00e7a 3\u20135 simula\u00e7\u00f5es<\/strong>: varie entrada, prazo e institui\u00e7\u00e3o Financeira; <strong>siempre con CET<\/strong>.<br><\/li>\n\n\n\n<li><strong>Cote seguro<\/strong> con antecedencia.<br><\/li>\n\n\n\n<li><strong>Organizar documentos<\/strong> e liste as tarifas\/servi\u00e7os que pretendo aceitar.<br><\/li>\n\n\n\n<li><strong>Negociaci\u00f3n<\/strong> com datos (CET e propuestas concorrentes na m\u00e3o).<br><\/li>\n\n\n\n<li><strong>Asno<\/strong> apenas com quadro-resumo claro e sem \u201csurpresas\u201d embutidas.<br><\/li>\n\n\n\n<li><strong>Depois da compra<\/strong>: monitore o mercado; se surgir\u00e1 oportunidade, avalie <strong>portabilidad<\/strong>.<br><\/li>\n<\/ol>\n\n\n<div class=\"wp-block-lazyblock-accordion lazyblock-accordion-Z28fHw8\"><script type=\"module\">\n  import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\";\n  const Stimulus = Application.start();\n\n  Stimulus.register(\"accordion\", class extends Controller {\n\n    static get targets() {\n        return [ \"title\", \"description\", \"icon\" ];\n    }\n\n    update(event) {\n      let accordionIndex = Number(event.target.getAttribute('data-accordion-index'));\n      let description = this.descriptionTargets[accordionIndex];\n      let icon = this.iconTargets[accordionIndex];\n      \n      description.classList.toggle('animate-fade-in-down');\n      description.classList.toggle('hidden');\n      icon.classList.toggle('rotate-180');\n    }\n\n  });\n<\/script><div data-controller=\"accordion\" class=\"mx-5 sm:mx-0 rounded mt-10 mb-20\">\n\t<div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"0\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"0\">\n                         \u00bfCu\u00e1l es una mejor entrada para un financiamiento de carro?                    <\/span>\n                    <svg data-accordion-index=\"0\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                         N\u00e3o existe n\u00famero certo, mas 20% a 40% costuma equilibrar aprova\u00e7\u00e3o, parcela e custo total. Quanto mayor a entrada, menores os juros pagos ao longo do contrato.\n                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"1\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"1\">\n                         Qual prazo escolher: 36, 48 ou 60 meses?                    <\/span>\n                    <svg data-accordion-index=\"1\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                         Depende de su flujo de caja. Prazos longos aliviam a parcela, mas aumentam o pago total. Se couber, prazos na faixa de 36\u201348 meses tendem a oferecer bom equil\u00edbrio entre parcela e custo final.\n                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"2\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"2\">\n                        \u00bfPor qu\u00e9 devo comparar propuestas para el CET y no s\u00f3lo pela taxa de juros?                    <\/span>\n                    <svg data-accordion-index=\"2\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Porque el CET incluye todas las despesas del cr\u00e9dito (juros + tarifas + tributos + seguros). \u00c9 o indicador mais fiel do custo real do financiamento de carro.\n                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"3\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"3\">\n                        Venderam um seguro \u201cobrigat\u00f3rio\u201d junto al financiamento. Posso recusar?                    <\/span>\n                    <svg data-accordion-index=\"3\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Sim. Seguros y servicios adicionales son opcionales. Se algu\u00e9m condicionar a libera\u00e7\u00e3o do cr\u00e9dito \u00e0 contrata\u00e7\u00e3o, questione e pe\u00e7a a propuesta sem o item para comparar.\n                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"4\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"4\">\n                        Sou aut\u00f4nomo. \u00bfC\u00f3mo comprovar la renta para el banco?                    <\/span>\n                    <svg data-accordion-index=\"4\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Organize declara\u00e7\u00e3o de IR, pr\u00f3-labore (se for PJ\/MEI) e extratos consistentes. Una entrada mayor y un prazo menor tambi\u00e9n ayudar\u00e1n a reducir el riesgo y mejorar la aprobaci\u00f3n.\n                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"5\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"5\">\n                        \u00bfVale a pena quitar antecipado?                    <\/span>\n                    <svg data-accordion-index=\"5\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                         En general, sim: voc\u00ea deixa de pagar os juros das parcelas futuras. Pe\u00e7a demostrativo de liquidaci\u00f3n y confirmaci\u00f3n del descuento antes de decidir.\n                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"6\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"6\">\n                        \u00bfC\u00f3mo saber se um seminovo \u00e9 \u201cbom de comprar\u201d?                    <\/span>\n                    <svg data-accordion-index=\"6\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                         Fa\u00e7a laudo cautelar, confirme hist\u00f3rico de revis\u00f5es, check quilometragem compat\u00edvel e rejeite carros com sinistro\/enchente\/leil\u00e3o. Se o laudo apontar problemas, use para renegociar o desista.\n                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"7\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"7\">\n                         \u00bfO que considera no custo total al\u00e9m da parcela?                    <\/span>\n                    <svg data-accordion-index=\"7\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Incluye IPVA, seguro, manuten\u00e7\u00e3o e combust\u00edvel. Distribuir\u00e1 el IPVA anualmente por 12 meses y reservar\u00e1 un valor para revisiones. S\u00f3 assim voc\u00ea enxerga o custo real de manter o carro.\n                    <\/p>\n                <\/div>\n            <\/div>\n        \t<\/div>\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusi\u00f3n: decisi\u00f3n consciente y n\u00fameros a la vista<\/strong><\/h2>\n\n\n\n<p>Um financiamento de carro bem feito come\u00e7a antes da assinatura: com teto de gastos claro, simula\u00e7\u00f5es comparando CET, negocia\u00e7\u00e3o firme y c\u00e1lculo realista dos custos de posse. <\/p>\n\n\n\n<p>Con estos pilares, usted evita las principales armas, garantiza la previsibilidad del dispositivo y transforma la compra del veh\u00edculo en una decisi\u00f3n sustentable, especialmente si el carro mejora su renta, movilidad o calidad de vida.<\/p>\n\n\n\n<p>Se a propuesta atual n\u00e3o se encaixa, n\u00e3o tenha pressa. En cr\u00e9dito, aparece una mejor condici\u00f3n para quem sabe o que pedir, o que recusar y comparar con disciplina.<\/p>","protected":false},"excerpt":{"rendered":"<p>Neste guia, voc\u00ea vai aprender em menos de 10 minutos como avaliar se a compra cabe no bolso, comparar propostas sem cair em ciladas, negociar taxas com seguran\u00e7a e planejar o custo total de manter o ve\u00edculo \u2014 tudo de forma simples, objetiva e aplic\u00e1vel no dia a dia. Por onde come\u00e7ar: o \u201ctamanho\u201d certo [&hellip;]<\/p>","protected":false},"author":40,"featured_media":551,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[11,12],"tags":[10,13,9],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Economia: Guia completo para financiar seu carro - Smart Job Funds<\/title>\n<meta name=\"description\" content=\"Aprenda a comparar CET, negociar taxas, evitar pegadinhas e reduzir custos com dicas pr\u00e1ticas. 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