{"id":7,"date":"2025-11-05T17:37:47","date_gmt":"2025-11-05T17:37:47","guid":{"rendered":"https:\/\/franquiadefomento.com.br\/?page_id=7"},"modified":"2025-12-13T23:34:03","modified_gmt":"2025-12-13T23:34:03","slug":"federal-invest","status":"publish","type":"page","link":"https:\/\/franquiadefomento.com.br\/","title":{"rendered":"Franquia de Fomento Federal Invest"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"7\" class=\"elementor elementor-7\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a0bb3b e-flex e-con-boxed e-con e-parent\" data-id=\"7a0bb3b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5141ab9 elementor-widget elementor-widget-html\" data-id=\"5141ab9\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- =========================\r\nMenu fixo \u2013 Federal Invest (mobile vis\u00edvel + fade + \u201cDocumentos\u201d com borda vermelha)\r\n========================= -->\r\n<header id=\"fi-nav\" role=\"banner\" aria-label=\"Menu principal\">\r\n  <div class=\"fi-wrap\">\r\n    <!-- Logo -->\r\n    <a class=\"fi-logo\" href=\"https:\/\/federalinvest.com.br\/\" target=\"_blank\" rel=\"noopener\" aria-label=\"Federal Invest (site institucional)\">\r\n      <img decoding=\"async\" src=\"https:\/\/franquiadefomento.com.br\/wp-content\/uploads\/2025\/11\/channels4_profile.jpg\" alt=\"Federal Invest\" \/>\r\n      <span class=\"fi-brand\">Federal Invest<\/span>\r\n    <\/a>\r\n\r\n    <!-- Bot\u00e3o hamb\u00farguer (sempre vis\u00edvel no mobile) -->\r\n    <button class=\"fi-burger\" id=\"fi-burger\" aria-label=\"Abrir menu\" aria-expanded=\"false\" aria-controls=\"fi-menu\">\r\n      <span class=\"fi-bars\"><i><\/i><i><\/i><i><\/i><\/span>\r\n      <span class=\"fi-burger-label\">Menu<\/span>\r\n    <\/button>\r\n\r\n    <!-- Navega\u00e7\u00e3o -->\r\n    <nav id=\"fi-menu\" class=\"fi-menu\" role=\"navigation\">\r\n      <ul class=\"fi-items\">\r\n        <li class=\"fi-item\"><a class=\"fi-link\" href=\"#franquiadefomento\">Franquia de fomento<\/a><\/li>\r\n\r\n        <li class=\"fi-item fi-has-sub\">\r\n          <button class=\"fi-link fi-toggle\" aria-expanded=\"false\" aria-controls=\"fi-sub-decidir\">Me ajude a decidir<\/button>\r\n          <div class=\"fi-sub\" id=\"fi-sub-decidir\">\r\n            <ul>\r\n              <li><a href=\"#form001\">Simulador de perfil<\/a><\/li>\r\n              <li><a href=\"#franqueados\">Falar com franqueados<\/a><\/li>\r\n              <li><a href=\"#modelo\">Modelo de neg\u00f3cio<\/a><\/li>\r\n              <li><a href=\"#comparar\">Comparar alternativas<\/a><\/li>\r\n            <\/ul>\r\n          <\/div>\r\n        <\/li>\r\n\r\n        <li class=\"fi-item fi-has-sub fi-item-doc\">\r\n          <button class=\"fi-link fi-toggle fi-doc\" aria-expanded=\"false\" aria-controls=\"fi-sub-docs\">Documentos<\/button>\r\n          <div class=\"fi-sub\" id=\"fi-sub-docs\">\r\n            <ul>\r\n              <li><a href=\"#apresentacao\">Baixar Apresenta\u00e7\u00e3o Oficial<\/a><\/li>\r\n            <\/ul>\r\n          <\/div>\r\n        <\/li>\r\n      <\/ul>\r\n    <\/nav>\r\n  <\/div>\r\n<\/header>\r\n\r\n<style>\r\n\/* =========================\r\n   ESCOPADO EM #fi-nav\r\n   ========================= *\/\r\n#fi-nav{\r\n  --brand:#0B4B9C;\r\n  --ink:#0f0f10;\r\n  --line:#e7e8ef;\r\n  --bg-scroll:rgba(255,255,255,.88);\r\n\r\n  position:sticky; top:0; z-index:9999;\r\n  background:transparent;\r\n  backdrop-filter:saturate(130%) blur(4px);\r\n  transition:background .35s ease, box-shadow .35s ease, transform .35s ease, opacity .35s ease;\r\n  font-weight:300;\r\n  opacity:0; transform:translateY(-8px);\r\n}\r\n#fi-nav.fi-appeared{ opacity:1; transform:none; }\r\n#fi-nav.fi-scrolled{ background:var(--bg-scroll); }\r\n\r\n\/* Container *\/\r\n#fi-nav .fi-wrap{\r\n  max-width:1100px; margin:0 auto; padding:10px 18px;\r\n  display:flex; align-items:center; justify-content:space-between;\r\n  position:relative;\r\n}\r\n\r\n\/* Logo *\/\r\n#fi-nav .fi-logo{ display:flex; align-items:center; gap:10px; text-decoration:none; }\r\n#fi-nav .fi-logo img{ width:36px; height:36px; border-radius:50%; }\r\n#fi-nav .fi-brand{ color:var(--brand); font-size:1rem; font-weight:300; }\r\n\r\n\/* Burger pill (MOBILE) *\/\r\n#fi-nav .fi-burger{\r\n  position:absolute; right:12px; top:8px;\r\n  display:flex; align-items:center; gap:8px;\r\n  padding:6px 10px; height:auto;\r\n  background:rgba(255,255,255,.92);\r\n  border:1px solid var(--line); border-radius:999px; cursor:pointer;\r\n  z-index:10000;\r\n}\r\n#fi-nav .fi-burger .fi-burger-label{ color:var(--brand); font-weight:300; font-size:.95rem; line-height:1; }\r\n#fi-nav .fi-burger .fi-bars{ display:flex; flex-direction:column; gap:3px; }\r\n#fi-nav .fi-burger .fi-bars i{ display:block; width:18px; height:2px; background:var(--brand); }\r\n\r\n\/* Esconde o burger no desktop *\/\r\n@media (min-width:921px){ #fi-nav .fi-burger{ display:none; } }\r\n\r\n\/* Menu base *\/\r\n#fi-nav .fi-menu ul{ list-style:none; margin:0; padding:0; display:flex; align-items:center; gap:12px; }\r\n#fi-nav .fi-link{\r\n  text-decoration:none; color:var(--ink);\r\n  padding:8px 14px; border-radius:8px; background:transparent; border:none;\r\n  transition:color .2s ease, background .2s ease;\r\n  font-weight:300;\r\n}\r\n#fi-nav .fi-link:hover,#fi-nav .fi-link:focus{ color:var(--brand); background:rgba(11,75,156,.06); }\r\n\r\n\/* Documentos com borda vermelha discreta *\/\r\n#fi-nav .fi-item-doc .fi-doc{ border:1px solid #E64B3C; }\r\n#fi-nav .fi-item-doc .fi-doc:hover{ background:rgba(230,75,60,.06); }\r\n\r\n\/* Dropdowns *\/\r\n#fi-nav .fi-item{ position:relative; }\r\n#fi-nav .fi-sub{\r\n  position:absolute; top:calc(100% + 8px); left:0; min-width:240px;\r\n  background:#fff; border:1px solid var(--line); border-radius:12px; padding:10px; display:none;\r\n}\r\n#fi-nav .fi-sub::before{\r\n  content:\"\"; position:absolute; left:0; top:0; bottom:0; width:3px; background:var(--brand); border-radius:3px 0 0 3px;\r\n}\r\n#fi-nav .fi-sub ul{ display:flex; flex-direction:column; gap:6px; }\r\n#fi-nav .fi-sub a{ color:var(--ink); text-decoration:none; padding:8px 10px 8px 14px; border-radius:8px; transition:background .2s ease; }\r\n#fi-nav .fi-sub a:hover{ background:rgba(11,75,156,.06); color:var(--brand); }\r\n#fi-nav .fi-item.is-open > .fi-sub{ display:block; }\r\n\r\n\/* MOBILE menu *\/\r\n@media (max-width:920px){\r\n  #fi-nav .fi-menu{\r\n    display:none;\r\n    position:fixed; top:56px; left:12px; right:12px;\r\n    background:rgba(255,255,255,.96);\r\n    border:1px solid var(--line); border-radius:12px; padding:14px;\r\n    z-index:9998;\r\n  }\r\n  #fi-nav .fi-menu.is-open{ display:block; }\r\n  #fi-nav .fi-menu ul{ flex-direction:column; align-items:flex-start; gap:8px; }\r\n  #fi-nav .fi-sub{ position:static; border:none; padding-left:10px; background:transparent; }\r\n}\r\n\r\n\/* Acessibilidade *\/\r\n#fi-nav .fi-link:focus-visible{ outline:2px solid color-mix(in srgb, var(--brand) 60%, #fff); outline-offset:2px; }\r\n\r\n\/* Scroll suave *\/\r\nhtml{ scroll-behavior:smooth; }\r\n<\/style>\r\n\r\n<script>\r\n(function(){\r\n  const nav = document.getElementById('fi-nav');\r\n  const burger = document.getElementById('fi-burger');\r\n  const menu = document.getElementById('fi-menu');\r\n  const toggles = nav.querySelectorAll('.fi-toggle');\r\n  const items = nav.querySelectorAll('.fi-item');\r\n\r\n  \/\/ Fade + background ao rolar\r\n  const onScroll = () => {\r\n    nav.classList.add('fi-appeared');\r\n    nav.classList.toggle('fi-scrolled', window.scrollY > 8);\r\n  };\r\n  window.addEventListener('scroll', onScroll, { passive:true });\r\n  onScroll();\r\n\r\n  \/\/ Toggle mobile\r\n  burger?.addEventListener('click', () => {\r\n    const open = menu.classList.toggle('is-open');\r\n    burger.setAttribute('aria-expanded', open);\r\n  });\r\n\r\n  \/\/ Dropdowns\r\n  toggles.forEach(btn => {\r\n    btn.addEventListener('click', e => {\r\n      e.preventDefault();\r\n      const li = btn.closest('.fi-item');\r\n      const isOpen = li.classList.contains('is-open');\r\n      items.forEach(i => i.classList.remove('is-open'));\r\n      toggles.forEach(t => t.setAttribute('aria-expanded','false'));\r\n      if(!isOpen){ li.classList.add('is-open'); btn.setAttribute('aria-expanded','true'); }\r\n    });\r\n  });\r\n\r\n  \/\/ Fechar fora\r\n  document.addEventListener('click', e => {\r\n    if(!nav.contains(e.target)){\r\n      items.forEach(i => i.classList.remove('is-open'));\r\n      toggles.forEach(t => t.setAttribute('aria-expanded','false'));\r\n      menu.classList.remove('is-open');\r\n      burger?.setAttribute('aria-expanded','false');\r\n    }\r\n  });\r\n})();\r\n<\/script>\r\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-14390a1 e-flex e-con-boxed e-con e-parent\" data-id=\"14390a1\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-84099a3 e-flex e-con-boxed e-con e-parent\" data-id=\"84099a3\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fd1d7a8 elementor-widget elementor-widget-spacer\" data-id=\"fd1d7a8\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9f73df8 e-flex e-con-boxed e-con e-parent\" data-id=\"9f73df8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b0cc60c elementor-widget elementor-widget-menu-anchor\" data-id=\"b0cc60c\" data-element_type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"franquiadefomento\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b35a2f6 e-flex e-con-boxed e-con e-parent\" data-id=\"b35a2f6\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-62fe135 elementor-widget elementor-widget-html\" data-id=\"62fe135\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- =========================\r\nSe\u00e7\u00e3o SEO: Franquia de Fomento (texto rol\u00e1vel + CTA discreto + pr\u00eamios)\r\n========================= -->\r\n<section id=\"sec-seo-franquia-fomento\" class=\"section\" style=\"max-width:980px;margin:48px auto;\">\r\n  <header style=\"margin:0 0 12px 0;\">\r\n    <h2 style=\"margin:0 0 6px;color:var(--brand);\">Franquia de fomento: o que \u00e9, como funciona e por que cresce<\/h2>\r\n    <p style=\"margin:0;color:var(--muted);\">Entenda fomento, factoring e securitiza\u00e7\u00e3o \u2014 em linguagem direta para quem busca uma franquia de fomento de sucesso.<\/p>\r\n  <\/header>\r\n\r\n  <div class=\"ff-wrap\">\r\n    <div class=\"ff-scroll\" aria-label=\"Texto explicativo sobre franquia de fomento, factoring e securitiza\u00e7\u00e3o\">\r\n      <p>\r\n        A <strong>franquia de fomento<\/strong> \u00e9 um modelo de neg\u00f3cio que conecta empresas que precisam antecipar receb\u00edveis\r\n        a investidores e instrumentos financeiros que viabilizam essa antecipa\u00e7\u00e3o com governan\u00e7a e an\u00e1lise de risco.\r\n        Na pr\u00e1tica, a unidade franqueada faz a ponte entre a necessidade de capital do cliente e as melhores solu\u00e7\u00f5es\r\n        de cr\u00e9dito do ecossistema de fomento mercantil.\r\n      <\/p>\r\n\r\n      <p>\r\n        Com <strong>30 anos de atua\u00e7\u00e3o<\/strong>, a <strong>Federal Invest<\/strong> \u00e9 a maior rede de fomento comercial do Brasil.\r\n        S\u00e3o mais de <strong>100 unidades franqueadas<\/strong> atendendo cerca de <strong>25 mil clientes<\/strong>,\r\n        movimentando bilh\u00f5es de reais todos os anos. Essa capilaridade transforma complexidade financeira\r\n        em processos simples, padronizados e audit\u00e1veis \u2014 exatamente o que o empres\u00e1rio precisa para tomar decis\u00e3o\r\n        r\u00e1pida e segura.\r\n      <\/p>\r\n\r\n      <p>\r\n        No centro da opera\u00e7\u00e3o est\u00e1 o <strong>factoring<\/strong>, que consiste na compra de direitos de cr\u00e9dito (como duplicatas e notas fiscais)\r\n        com desconto. Assim, a empresa recebe \u00e0 vista, melhora seu fluxo de caixa e reduz a depend\u00eancia de linhas banc\u00e1rias tradicionais;\r\n        j\u00e1 a franqueada \u00e9 remunerada pela intermedia\u00e7\u00e3o e gest\u00e3o financeira dentro de padr\u00f5es de compliance e rentabilidade definidos.\r\n      <\/p>\r\n\r\n      <p>\r\n        A <strong>securitiza\u00e7\u00e3o<\/strong> complementa esse ecossistema: trata-se da estrutura\u00e7\u00e3o de receb\u00edveis em instrumentos financeiros\r\n        destinados a investidores qualificados, permitindo escala, previsibilidade e solidez de funding. Dessa forma,\r\n        a <strong>franquia de fomento<\/strong> atua com base t\u00e9cnica e estrutura robusta, garantindo sustentabilidade e transpar\u00eancia\r\n        em todas as etapas do neg\u00f3cio.\r\n      <\/p>\r\n\r\n      <p>\r\n        A <strong>Federal Invest<\/strong> une essas frentes \u2014 factoring e securitiza\u00e7\u00e3o \u2014 em um modelo validado por tr\u00eas d\u00e9cadas,\r\n        que combina metodologia de cr\u00e9dito, suporte jur\u00eddico, tecnologia e capacita\u00e7\u00e3o cont\u00ednua para os franqueados.\r\n        O resultado \u00e9 um ecossistema que promove crescimento regional com seguran\u00e7a, agilidade e governan\u00e7a.\r\n      <\/p>\r\n\r\n      <p>\r\n        Reconhecida nacionalmente, a <strong>Federal Invest<\/strong> possui o <strong>Selo de Excel\u00eancia em Franchising<\/strong>\r\n        concedido pela <strong>Associa\u00e7\u00e3o Brasileira de Franchising (ABF)<\/strong> e foi eleita <strong>duas vezes entre as Melhores Franquias do Brasil<\/strong>\r\n        pela revista <strong>Pequenas Empresas & Grandes Neg\u00f3cios (PEGN)<\/strong>. Esses pr\u00eamios refletem a solidez do modelo\r\n        e a confian\u00e7a conquistada junto a empreendedores e investidores em todo o pa\u00eds.\r\n      <\/p>\r\n\r\n      <p>\r\n        Se voc\u00ea busca participar de um mercado em expans\u00e3o, com base t\u00e9cnica, governan\u00e7a e alta demanda por capital de giro,\r\n        a <strong>franquia de fomento<\/strong> \u00e9 uma excelente oportunidade para empreender com prop\u00f3sito, retorno recorrente\r\n        e apoio de uma marca premiada e consolidada.\r\n      <\/p>\r\n\r\n      <p>\r\n        Esse \u00e9 um dos caminhos mais seguros, honestos e necess\u00e1rios para faturamentos milion\u00e1rios no franchising. Cadastre-se agora e agende um caf\u00e9 conosco.\r\n      <\/p>\r\n    <\/div>\r\n    <span class=\"ff-fade\" aria-hidden=\"true\"><\/span>\r\n  <\/div>\r\n\r\n  <div class=\"ff-cta\">\r\n    <button id=\"btn-comparar-setor\" class=\"ff-btn-lite\" type=\"button\">comparar alternativas<\/button>\r\n  <\/div>\r\n<\/section>\r\n\r\n<style>\r\n  #sec-seo-franquia-fomento .ff-wrap{\r\n    position:relative;\r\n    border-radius:16px;\r\n    background:var(--card);\r\n    border:1px solid var(--line);\r\n    overflow:hidden;\r\n  }\r\n  #sec-seo-franquia-fomento .ff-scroll{\r\n    max-height:300px;\r\n    overflow-y:auto;\r\n    padding:18px 18px 28px 18px;\r\n    color:var(--ink);\r\n    line-height:1.7;\r\n    scrollbar-width:thin;\r\n  }\r\n  #sec-seo-franquia-fomento .ff-fade{\r\n    position:absolute; left:0; right:0; bottom:0; height:42px;\r\n    background:linear-gradient(to bottom, rgba(255,255,255,0), var(--card));\r\n    pointer-events:none;\r\n  }\r\n  #sec-seo-franquia-fomento p{ margin:0 0 14px 0; }\r\n  #sec-seo-franquia-fomento strong{ font-weight:600; }\r\n\r\n  #sec-seo-franquia-fomento .ff-cta{\r\n    display:flex; justify-content:center; margin-top:10px;\r\n  }\r\n  #sec-seo-franquia-fomento .ff-btn-lite{\r\n    min-height:36px; padding:6px 14px;\r\n    border-radius:999px; border:1px solid var(--line);\r\n    background:#f3f4f6; color:#3b3f46;\r\n    font-weight:400; font-size:.95rem;\r\n    cursor:pointer; transition:opacity .2s ease, transform .2s ease;\r\n  }\r\n  #sec-seo-franquia-fomento .ff-btn-lite:hover{ opacity:.9; transform:translateY(-1px); }\r\n\r\n  @media (max-width:760px){\r\n    #sec-seo-franquia-fomento .ff-scroll{ max-height:260px; }\r\n  }\r\n\r\n  \/* rolagem suave para todo o site *\/\r\n  html {\r\n    scroll-behavior: smooth;\r\n  }\r\n<\/style>\r\n\r\n<script>\r\n  document.getElementById('btn-comparar-setor')?.addEventListener('click', () => {\r\n    const target = document.querySelector('#comparar, #sec-comparativo-fomento');\r\n    if (target) {\r\n      target.scrollIntoView({ behavior: 'smooth', block: 'start' });\r\n      target.classList.add('focus-highlight');\r\n      setTimeout(() => target.classList.remove('focus-highlight'), 1800);\r\n    }\r\n  });\r\n<\/script>\r\n\r\n<style>\r\n  \/* destaque leve quando a tabela for o destino do scroll *\/\r\n  .focus-highlight {\r\n    outline: 2px solid var(--brand);\r\n    outline-offset: 4px;\r\n    transition: outline 0.4s ease;\r\n  }\r\n<\/style>\r\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e24d011 e-flex e-con-boxed e-con e-parent\" data-id=\"e24d011\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eee276d elementor-widget elementor-widget-spacer\" data-id=\"eee276d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8402dce e-flex e-con-boxed e-con e-parent\" data-id=\"8402dce\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e851f6d elementor-widget elementor-widget-html\" data-id=\"e851f6d\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- =========================\r\nSe\u00e7\u00e3o: Mensagem do presidente (clean + mobile refinado)\r\n========================= -->\r\n<section id=\"sec-mensagem-presidente\" class=\"section\" style=\"max-width:1100px;margin:44px auto;\">\r\n\r\n  <header style=\"margin:0 0 12px 0;\">\r\n    <h2 style=\"color:var(--brand);margin:0 0 4px;\">Mensagem do presidente<\/h2>\r\n    <p style=\"color:var(--muted);margin:0;\">novembro de 2025<\/p>\r\n  <\/header>\r\n\r\n  <div class=\"mp-card\">\r\n    <div class=\"mp-content\">\r\n      <p class=\"mp-copy\">\r\n        Os desafios do empreendedor brasileiro n\u00e3o come\u00e7aram agora. Desde os anos 1990, quando nascemos,\r\n        vimos <strong>pequenas e grandes empresas<\/strong> enfrentarem ciclos econ\u00f4micos, cr\u00e9dito restrito e\r\n        volatilidade. A <strong>Federal Invest<\/strong> surge desse compromisso: <em>ajudar empreendedores a darem certo<\/em>.\r\n        Como <strong>franquia de fomento<\/strong>, unimos experi\u00eancia em securitiza\u00e7\u00e3o e factoring com uma opera\u00e7\u00e3o\r\n        orientada a resultado, para transformar oportunidades em crescimento sustent\u00e1vel \u2014 de forma simples,\r\n        \u00e1gil e com governan\u00e7a.\r\n      <\/p>\r\n\r\n      <!-- Miniatura + Instagram -->\r\n      <div class=\"mp-mini\">\r\n        <img decoding=\"async\" src=\"https:\/\/franquiadefomento.com.br\/wp-content\/uploads\/2025\/11\/IMG_6233-scaled.jpg\" alt=\"Renato Junqueira - Presidente Federal Invest\" class=\"mp-thumb\">\r\n        <a class=\"mp-ig\" href=\"https:\/\/www.instagram.com\/renatojunqueiraoficial\/\" target=\"_blank\" rel=\"noopener\">\r\n          @renatojunqueiraoficial \u2014 siga o Renato\r\n        <\/a>\r\n      <\/div>\r\n\r\n      <!-- bot\u00e3o de play abaixo do texto -->\r\n      <button class=\"mp-play\" id=\"mp-play\" aria-label=\"Reproduzir\/Pausar\">\r\n        <svg class=\"mp-play-icon\" width=\"28\" height=\"28\" viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path fill=\"#fff\" d=\"M8 5v14l11-7L8 5Z\"\/><\/svg>\r\n        <svg class=\"mp-pause-icon\" width=\"28\" height=\"28\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" style=\"display:none;\"><path fill=\"#fff\" d=\"M6 5h4v14H6V5Zm8 0h4v14h-4V5Z\"\/><\/svg>\r\n      <\/button>\r\n\r\n      <!-- barra de progresso -->\r\n      <div class=\"mp-bar\">\r\n        <input type=\"range\" id=\"mp-seek\" min=\"0\" value=\"0\" step=\"0.01\" aria-label=\"Linha do tempo do \u00e1udio\">\r\n        <div class=\"mp-time\">\r\n          <span id=\"mp-current\">0:00<\/span>\r\n          <span aria-hidden=\"true\">\/<\/span>\r\n          <span id=\"mp-duration\">0:00<\/span>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <!-- link do youtube -->\r\n      <a class=\"mp-yt\" href=\"https:\/\/www.youtube.com\/federalinvesttv\" target=\"_blank\" rel=\"noopener\">\r\n        Ver canal no YouTube\r\n      <\/a>\r\n    <\/div>\r\n\r\n    <!-- \u00e1udio -->\r\n    <audio id=\"mp-audio\" preload=\"metadata\">\r\n      <source src=\"https:\/\/franquiadefomento.com.br\/wp-content\/uploads\/2025\/11\/mensagem-presidente-renato-novembro-franquia-de-fomento-2025-00120251107.mp3\" type=\"audio\/mpeg\">\r\n    <\/audio>\r\n  <\/div>\r\n<\/section>\r\n\r\n<style>\r\n  \/* imagem de fundo \u00e0 direita (NOVA) *\/\r\n  #sec-mensagem-presidente .mp-card{\r\n    position:relative;\r\n    min-height:320px;\r\n    border-radius:20px;\r\n    overflow:hidden;\r\n    background:\r\n      url('https:\/\/franquiadefomento.com.br\/wp-content\/uploads\/2025\/11\/presidente-federal-invest-franquia-de-fomento-renato-junqueira-00120251107-scaled.jpg')\r\n      right center \/ cover no-repeat;\r\n  }\r\n  \/* gradiente de leitura *\/\r\n  #sec-mensagem-presidente .mp-card::before{\r\n    content:\"\";\r\n    position:absolute; 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height:78px;\r\n    border-radius:999px;\r\n    display:grid; place-items:center;\r\n    cursor:pointer;\r\n    background:var(--brand);\r\n    border:none;\r\n    box-shadow:0 10px 24px rgba(0,0,0,.15);\r\n  }\r\n\r\n  \/* barra com gradiente *\/\r\n  #sec-mensagem-presidente .mp-bar{\r\n    display:flex; align-items:center; gap:10px;\r\n    border-radius:12px;\r\n    padding:10px 12px;\r\n    background:linear-gradient(180deg, rgba(0,0,0,.035), rgba(0,0,0,0));\r\n  }\r\n  #sec-mensagem-presidente .mp-bar input[type=\"range\"]{\r\n    -webkit-appearance:none; appearance:none; width:100%; height:8px;\r\n    background:\r\n      linear-gradient(90deg, var(--brand) 0%, var(--brand) 0%) no-repeat,\r\n      linear-gradient(90deg, rgba(120,104,230,.25), rgba(120,104,230,.08)) no-repeat;\r\n    background-size: 0% 100%, 100% 100%;\r\n    border-radius:999px; outline:none; cursor:pointer;\r\n  }\r\n  #sec-mensagem-presidente .mp-bar input[type=\"range\"]::-webkit-slider-thumb{\r\n    -webkit-appearance:none; appearance:none; width:16px; height:16px;\r\n    border-radius:50%; background:var(--brand); border:2px solid #fff;\r\n  }\r\n\r\n  \/* tempos *\/\r\n  #sec-mensagem-presidente .mp-time{color:var(--muted); font-size:.95rem; white-space:nowrap; display:flex; gap:6px;}\r\n\r\n  \/* link youtube sem underline *\/\r\n  #sec-mensagem-presidente .mp-yt{\r\n    color:var(--brand);\r\n    text-decoration:none;\r\n    font-weight:500;\r\n    text-align:center;\r\n  }\r\n  #sec-mensagem-presidente .mp-yt:hover{opacity:.85;}\r\n\r\n  \/* ajustes mobile *\/\r\n  @media (max-width: 920px){\r\n    #sec-mensagem-presidente .mp-card{\r\n      min-height:560px;\r\n      background-position:center right;\r\n    }\r\n    #sec-mensagem-presidente .mp-card::before{\r\n      background:\r\n        linear-gradient(to right,\r\n          rgba(255,255,255,0.96) 0%,\r\n          rgba(255,255,255,0.92) 52%,\r\n          rgba(255,255,255,0.78) 68%,\r\n          rgba(255,255,255,0.40) 85%,\r\n          rgba(255,255,255,0.00) 100%);\r\n    }\r\n    #sec-mensagem-presidente .mp-thumb{width:128px; height:82px;}\r\n  }\r\n<\/style>\r\n\r\n<script>\r\n  (function(){\r\n    const audio   = document.getElementById('mp-audio');\r\n    const btn     = document.getElementById('mp-play');\r\n    const seek    = document.getElementById('mp-seek');\r\n    const cur     = document.getElementById('mp-current');\r\n    const dur     = document.getElementById('mp-duration');\r\n    const icoPlay = document.querySelector('.mp-play-icon');\r\n    const icoPause= document.querySelector('.mp-pause-icon');\r\n\r\n    function fmt(t){ if(!isFinite(t)) return '0:00'; const m=Math.floor(t\/60), s=String(Math.floor(t%60)).padStart(2,'0'); return `${m}:${s}`; }\r\n    function setBtn(isPlaying){ icoPlay.style.display = isPlaying?'none':'inline'; icoPause.style.display = isPlaying?'inline':'none'; }\r\n\r\n    audio.addEventListener('loadedmetadata', ()=>{\r\n      seek.max = audio.duration || 0;\r\n      dur.textContent = fmt(audio.duration || 0);\r\n    });\r\n    audio.addEventListener('timeupdate', ()=>{\r\n      const t = audio.currentTime || 0, d = audio.duration || 1;\r\n      seek.value = t; cur.textContent = fmt(t);\r\n      seek.style.backgroundSize = `${(t\/d)*100}% 100%, 100% 100%`;\r\n    });\r\n    audio.addEventListener('ended', ()=> setBtn(false));\r\n\r\n    btn.addEventListener('click', ()=>{\r\n      if(audio.paused){ audio.play(); setBtn(true); } else { audio.pause(); setBtn(false); }\r\n    });\r\n    seek.addEventListener('input', ()=>{ audio.currentTime = parseFloat(seek.value || 0); });\r\n  })();\r\n<\/script>\r\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-55ae08e e-flex e-con-boxed e-con e-parent\" data-id=\"55ae08e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2dc84dc elementor-widget elementor-widget-spacer\" data-id=\"2dc84dc\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1330772 e-flex e-con-boxed e-con e-parent\" data-id=\"1330772\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e83be3d elementor-widget elementor-widget-menu-anchor\" data-id=\"e83be3d\" data-element_type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"form001\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-abf14f2 e-flex e-con-boxed e-con e-parent\" data-id=\"abf14f2\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78bf7ba elementor-widget elementor-widget-html\" data-id=\"78bf7ba\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<section id=\"simulador\" class=\"section fade-in\" style=\"max-width:760px;margin:auto;\">\r\n  <h2 style=\"margin-bottom:6px;color:var(--brand);\">Simule seu Perfil de Franqueado Federal Invest<\/h2>\r\n  <p style=\"color:var(--muted);margin-bottom:20px;\">Responda 6 etapas r\u00e1pidas. Ao final voc\u00ea ver\u00e1 um diagn\u00f3stico e poder\u00e1 optar por enviar seu <strong>cadastro para receber mais informa\u00e7\u00f5es<\/strong>.<\/p>\r\n\r\n  <div class=\"fi-progress\" aria-label=\"Barra de progresso\" style=\"margin:18px 0 26px 0;\">\r\n    <div class=\"fi-progress-track\" style=\"height:10px;border-radius:999px;background:#eee;position:relative;overflow:hidden;\">\r\n      <div class=\"fi-progress-bar\" style=\"height:100%;width:0%;background:var(--brand);transition:width .35s;\"><\/div>\r\n    <\/div>\r\n    <div class=\"fi-progress-meta\" style=\"display:flex;justify-content:space-between;margin-top:8px;color:var(--muted);font-size:.95rem;\">\r\n      <span id=\"fi-step-label\">Etapa 1 de 6<\/span>\r\n      <span id=\"fi-step-hint\">Leva ~1 minuto<\/span>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <form id=\"form-simulador\" action=\"https:\/\/formspree.io\/f\/mqayvbvb\" method=\"POST\" style=\"background:transparent;\">\r\n    <div class=\"step active\">\r\n      <div class=\"nav top-nav\"><button type=\"button\" data-prev class=\"btn-outline btn-s\">Voltar<\/button><\/div>\r\n      <label class=\"fi-q\">Voc\u00ea j\u00e1 investe ou atuou em neg\u00f3cio pr\u00f3prio ou financeiro?<\/label>\r\n      <div class=\"options\">\r\n        <button type=\"button\" class=\"opt\" data-field=\"experiencia\" data-value=\"Sim\">Sim<\/button>\r\n        <button type=\"button\" class=\"opt\" data-field=\"experiencia\" data-value=\"N\u00e3o\">N\u00e3o<\/button>\r\n        <button type=\"button\" class=\"opt\" data-field=\"experiencia\" data-value=\"J\u00e1 investi, mas sa\u00ed\">J\u00e1 investi, mas sa\u00ed<\/button>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <div class=\"step\">\r\n      <div class=\"nav top-nav\"><button type=\"button\" data-prev class=\"btn-outline btn-s\">Voltar<\/button><\/div>\r\n      <label class=\"fi-q\">Qual \u00e9 o capital dispon\u00edvel para investimento inicial?<\/label>\r\n      <p class=\"fi-hint\">O investimento m\u00ednimo recomendado para a opera\u00e7\u00e3o \u00e9 <strong>R$ 500 mil<\/strong>.<\/p>\r\n      <div class=\"options\">\r\n        <button type=\"button\" class=\"opt\" data-field=\"capital\" data-value=\"At\u00e9 R$ 300 mil\">At\u00e9 R$ 300 mil<\/button>\r\n        <button type=\"button\" class=\"opt\" data-field=\"capital\" data-value=\"Entre R$ 300 mil e R$ 500 mil\">Entre R$ 300 mil e R$ 500 mil<\/button>\r\n        <button type=\"button\" class=\"opt\" data-field=\"capital\" data-value=\"Acima de R$ 500 mil\">Acima de R$ 500 mil<\/button>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <div class=\"step\">\r\n      <div class=\"nav top-nav\"><button type=\"button\" data-prev class=\"btn-outline btn-s\">Voltar<\/button><\/div>\r\n      <label class=\"fi-q\">Em qual cidade ou regi\u00e3o pretende abrir sua unidade?<\/label>\r\n      <input type=\"text\" name=\"localidade\" placeholder=\"Ex.: Curitiba - PR\" required>\r\n      <div class=\"nav\">\r\n        <button type=\"button\" data-prev class=\"btn-outline\">Voltar<\/button>\r\n        <button type=\"button\" data-next class=\"btn\">Pr\u00f3ximo<\/button>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <div class=\"step\">\r\n      <div class=\"nav top-nav\"><button type=\"button\" data-prev class=\"btn-outline btn-s\">Voltar<\/button><\/div>\r\n      <label class=\"fi-q\">Voc\u00ea j\u00e1 conhece o modelo de uma securitizadora ou factoring?<\/label>\r\n      <div class=\"options\">\r\n        <button type=\"button\" class=\"opt\" data-field=\"conhecimento\" data-value=\"Conhe\u00e7o bem\">Conhe\u00e7o bem<\/button>\r\n        <button type=\"button\" class=\"opt\" data-field=\"conhecimento\" data-value=\"Tenho no\u00e7\u00e3o geral\">Tenho no\u00e7\u00e3o geral<\/button>\r\n        <button type=\"button\" class=\"opt\" data-field=\"conhecimento\" data-value=\"N\u00e3o conhe\u00e7o\">N\u00e3o conhe\u00e7o<\/button>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <div class=\"step\">\r\n      <div class=\"nav top-nav\"><button type=\"button\" data-prev class=\"btn-outline btn-s\">Voltar<\/button><\/div>\r\n      <label class=\"fi-q\">Deseja atuar de forma executiva (\u00e0 frente da opera\u00e7\u00e3o) ou como investidor parceiro?<\/label>\r\n      <div class=\"options\">\r\n        <button type=\"button\" class=\"opt\" data-field=\"atuacao\" data-value=\"Executiva (m\u00e3o na massa)\">Executiva (m\u00e3o na massa)<\/button>\r\n        <button type=\"button\" class=\"opt\" data-field=\"atuacao\" data-value=\"Investidor (s\u00f3cio\/cotista)\">Investidor (s\u00f3cio\/cotista)<\/button>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <div class=\"step\">\r\n      <div class=\"nav top-nav\"><button type=\"button\" data-prev class=\"btn-outline btn-s\">Voltar<\/button><\/div>\r\n      <label class=\"fi-q\">Qual \u00e9 sua profiss\u00e3o ou fun\u00e7\u00e3o atual?<\/label>\r\n      <input type=\"text\" name=\"profissao\" placeholder=\"Ex.: Empres\u00e1rio, Diretor Financeiro, M\u00e9dico, Advogado...\" required>\r\n      <div class=\"nav\">\r\n        <button type=\"button\" data-prev class=\"btn-outline\">Voltar<\/button>\r\n        <button type=\"button\" data-next class=\"btn\">Ver meu diagn\u00f3stico<\/button>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <div class=\"step\" id=\"resultado-step\">\r\n      <div class=\"nav top-nav\"><button type=\"button\" data-prev class=\"btn-outline btn-s\">Voltar<\/button><\/div>\r\n      <h3 style=\"margin:0 0 8px 0;color:var(--brand);\">Seu diagn\u00f3stico<\/h3>\r\n      <p id=\"resultado-titulo\" style=\"font-weight:bold;margin:0 0 8px 0;\"><\/p>\r\n      <p id=\"resultado-texto\" style=\"color:var(--muted);margin:0 0 18px 0;\"><\/p>\r\n      <div class=\"fi-resumo\" style=\"border:1px solid var(--line);border-radius:var(--radius);padding:14px;margin-bottom:18px;\">\r\n        <div style=\"font-weight:bold;margin-bottom:6px;\">Resumo das suas respostas<\/div>\r\n        <ul id=\"resumo-list\" style=\"margin:0;padding-left:18px;color:var(--muted);\"><\/ul>\r\n      <\/div>\r\n      <div class=\"nav\" style=\"gap:10px;flex-wrap:wrap;\">\r\n        <button type=\"button\" data-prev class=\"btn-outline\">Rever respostas<\/button>\r\n        <button type=\"button\" id=\"continuar-cadastro\" class=\"btn\">Quero receber mais informa\u00e7\u00f5es<\/button>\r\n      <\/div>\r\n      <p style=\"margin-top:10px;color:var(--muted);font-size:.95rem;\">Ao continuar, voc\u00ea enviar\u00e1 um <strong>cadastro para receber mais informa\u00e7\u00f5es<\/strong> sobre o modelo Federal Invest.<\/p>\r\n    <\/div>\r\n\r\n    <div class=\"step\" id=\"cadastro-step\">\r\n      <div class=\"nav top-nav\"><button type=\"button\" data-prev class=\"btn-outline btn-s\">Voltar<\/button><\/div>\r\n      <label class=\"fi-q\">Preencha seu cadastro para receber mais informa\u00e7\u00f5es:<\/label>\r\n      <input type=\"text\" name=\"nome\" placeholder=\"Seu nome completo\" required>\r\n      <input type=\"email\" name=\"email\" placeholder=\"Seu e-mail\" required>\r\n      <input type=\"tel\" name=\"whatsapp\" placeholder=\"WhatsApp com DDD\" required>\r\n      <label class=\"fi-consent\">\r\n        <input type=\"checkbox\" required>\r\n        Autorizo o contato para receber informa\u00e7\u00f5es sobre a franquia Federal Invest.\r\n      <\/label>\r\n      <div class=\"nav\">\r\n        <button type=\"button\" data-prev class=\"btn-outline\">Voltar<\/button>\r\n        <button type=\"submit\" class=\"btn\">Enviar cadastro<\/button>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <input type=\"hidden\" name=\"experiencia\">\r\n    <input type=\"hidden\" name=\"capital\">\r\n    <input type=\"hidden\" name=\"conhecimento\">\r\n    <input type=\"hidden\" name=\"atuacao\">\r\n    <input type=\"hidden\" name=\"diagnostico_label\">\r\n    <input type=\"hidden\" name=\"diagnostico_score\">\r\n  <\/form>\r\n<\/section>\r\n\r\n<style>\r\n#simulador .fi-q{display:block;font-weight:bold;margin-bottom:12px;font-size:1.1rem;color:var(--ink);}\r\n#simulador .fi-hint{color:var(--muted);margin:-6px 0 12px 0;font-size:.95rem;}\r\n#simulador .options{display:flex;flex-direction:column;gap:10px;}\r\n#simulador .opt{background:var(--brand);color:#fff;border:none;border-radius:var(--radius);padding:12px;font-weight:bold;cursor:pointer;transition:.25s;}\r\n#simulador .opt:hover{opacity:.92;transform:translateY(-2px);}\r\n#simulador input[type=\"text\"],#simulador input[type=\"email\"],#simulador input[type=\"tel\"]{width:100%;padding:12px;border:1px solid var(--line);border-radius:var(--radius);background:transparent;color:var(--ink);margin-bottom:14px;}\r\n#simulador .nav{display:flex;justify-content:space-between;gap:12px;}\r\n#simulador .top-nav{justify-content:flex-start;margin-bottom:10px;}\r\n#simulador .btn{display:inline-block;background:var(--brand);color:#fff;border-radius:var(--radius);padding:12px 20px;font-weight:bold;border:none;cursor:pointer;transition:.25s;text-decoration:none;text-align:center;}\r\n#simulador .btn:hover{opacity:.92;transform:translateY(-2px);}\r\n#simulador .btn-outline{background:none;border:2px solid var(--brand);color:var(--brand);}\r\n#simulador .btn-outline:hover{background:var(--brand);color:#fff;}\r\n#simulador .btn-s{padding:8px 14px;border-radius:18px;font-size:.92rem;}\r\n.step{display:none;animation:fadeIn .45s forwards;}\r\n.step.active{display:block;}\r\n@keyframes fadeIn{from{opacity:0;transform:translateY(10px);}to{opacity:1;transform:translateY(0);}}\r\n#simulador .fi-consent{display:flex;align-items:center;gap:8px;color:var(--muted);font-size:.95rem;margin:4px 0 14px 0;}\r\n<\/style>\r\n\r\n<script>\r\n(function(){\r\n  const form = document.getElementById('form-simulador');\r\n  const steps = Array.from(form.querySelectorAll('.step'));\r\n  const progressBar = document.querySelector('.fi-progress-bar');\r\n  const stepLabel = document.getElementById('fi-step-label');\r\n  const PROGRESS_STEPS = 6;\r\n  let current = 0;\r\n\r\n  function updateProgress(){\r\n    const shownIndex = Math.min(current+1, PROGRESS_STEPS);\r\n    const pct = (shownIndex \/ PROGRESS_STEPS) * 100;\r\n    progressBar.style.width = pct + '%';\r\n    stepLabel.textContent = current < PROGRESS_STEPS ? `Etapa ${shownIndex} de ${PROGRESS_STEPS}` : `Diagn\u00f3stico`;\r\n  }\r\n\r\n  function showStep(i){\r\n    steps[current].classList.remove('active');\r\n    current = Math.max(0, Math.min(i, steps.length - 1));\r\n    steps[current].classList.add('active');\r\n    updateProgress();\r\n  }\r\n\r\n  form.querySelectorAll('[data-next]').forEach(btn=>{\r\n    btn.addEventListener('click', ()=> showStep(current+1));\r\n  });\r\n  form.querySelectorAll('[data-prev]').forEach(btn=>{\r\n    btn.addEventListener('click', ()=> showStep(current-1));\r\n  });\r\n\r\n  const hiddenFields = {\r\n    experiencia: form.querySelector('input[name=\"experiencia\"]'),\r\n    capital: form.querySelector('input[name=\"capital\"]'),\r\n    conhecimento: form.querySelector('input[name=\"conhecimento\"]'),\r\n    atuacao: form.querySelector('input[name=\"atuacao\"]'),\r\n    diagnostico_label: form.querySelector('input[name=\"diagnostico_label\"]'),\r\n    diagnostico_score: form.querySelector('input[name=\"diagnostico_score\"]')\r\n  };\r\n\r\n  form.querySelectorAll('.opt').forEach(btn=>{\r\n    btn.addEventListener('click', ()=>{\r\n      const f = btn.dataset.field, v = btn.dataset.value;\r\n      if(f && hiddenFields[f]) hiddenFields[f].value = v;\r\n      showStep(current+1);\r\n    });\r\n  });\r\n\r\n  const resultadoStep = document.getElementById('resultado-step');\r\n  const cadastroStep = document.getElementById('cadastro-step');\r\n  const resumoList = document.getElementById('resumo-list');\r\n  const resTitulo = document.getElementById('resultado-titulo');\r\n  const resTexto = document.getElementById('resultado-texto');\r\n\r\n  const observer = new MutationObserver(()=>{\r\n    if(resultadoStep.classList.contains('active')){\r\n      const exp  = hiddenFields.experiencia.value || '\u2014';\r\n      const cap  = hiddenFields.capital.value || '\u2014';\r\n      const conh = hiddenFields.conhecimento.value || '\u2014';\r\n      const atu  = hiddenFields.atuacao.value || '\u2014';\r\n      const loc  = (form.querySelector('input[name=\"localidade\"]').value || '\u2014').trim();\r\n      const prof = (form.querySelector('input[name=\"profissao\"]').value || '\u2014').trim();\r\n\r\n      let score = 50;\r\n      if(cap === 'Acima de R$ 500 mil') score += 30;\r\n      else if(cap === 'Entre R$ 300 mil e R$ 500 mil') score += 15;\r\n      if(exp !== 'N\u00e3o') score += 10;\r\n      if(conh === 'Conhe\u00e7o bem') score += 10;\r\n      if(atu.includes('Executiva')) score += 5;\r\n\r\n      let label, texto;\r\n      if(cap === 'Acima de R$ 500 mil'){\r\n        label = 'Perfil forte para a franquia';\r\n        texto = 'Seu capital atende ao patamar recomendado (\u2265 R$ 500 mil) e seu perfil indica alta ader\u00eancia. Recomendamos avan\u00e7ar para receber informa\u00e7\u00f5es detalhadas e pr\u00f3ximos passos. Como franqueado, voc\u00ea contar\u00e1 com consultoria, jur\u00eddico, contabilidade, publicidade, treinamentos e montagem da unidade.';\r\n      } else if(cap === 'Entre R$ 300 mil e R$ 500 mil'){\r\n        label = 'Perfil promissor (composi\u00e7\u00e3o de capital sugerida)';\r\n        texto = 'Voc\u00ea est\u00e1 pr\u00f3ximo do patamar recomendado. Com eventual composi\u00e7\u00e3o societ\u00e1ria ou alavancagem, \u00e9 poss\u00edvel atingir a estrutura ideal. Vale avan\u00e7ar para entender formatos e viabilidade. Como franqueado, voc\u00ea contar\u00e1 com consultoria, jur\u00eddico, contabilidade, publicidade, treinamentos e montagem da unidade.';\r\n      } else {\r\n        label = 'Perfil em constru\u00e7\u00e3o';\r\n        texto = 'Mesmo abaixo do patamar recomendado, h\u00e1 alternativas (sociedade, evolu\u00e7\u00e3o de capital e estudo de pra\u00e7a). Avance para receber orienta\u00e7\u00f5es sobre caminhos poss\u00edveis. Como franqueado, voc\u00ea contar\u00e1 com consultoria, jur\u00eddico, contabilidade, publicidade, treinamentos e montagem da unidade.';\r\n      }\r\n\r\n      hiddenFields.diagnostico_label.value = label;\r\n      hiddenFields.diagnostico_score.value = String(score);\r\n      resTitulo.textContent = label;\r\n      resTexto.textContent = texto;\r\n\r\n      resumoList.innerHTML = '';\r\n      [['Experi\u00eancia', exp],['Capital', cap],['Localidade', loc],['Conhecimento', conh],['Atua\u00e7\u00e3o', atu],['Profiss\u00e3o', prof],['Score', score]].forEach(([k,v])=>{\r\n        const li = document.createElement('li');\r\n        li.textContent = `${k}: ${v}`;\r\n        resumoList.appendChild(li);\r\n      });\r\n    }\r\n  });\r\n  observer.observe(resultadoStep, { attributes:true, attributeFilter:['class'] });\r\n\r\n  document.getElementById('continuar-cadastro').addEventListener('click', ()=>{\r\n    showStep(Array.from(steps).indexOf(cadastroStep));\r\n  });\r\n\r\n  form.addEventListener('submit', (e)=>{\r\n    e.preventDefault();\r\n    const data = new FormData(form);\r\n    fetch(form.action, { method: form.method, body: data, headers: { 'Accept': 'application\/json' } })\r\n      .then(resp=>{\r\n        if(resp.ok){\r\n          window.location.href = 'https:\/\/franquiadefomento.com.br\/#cadastro-realizado';\r\n        } else {\r\n          alert('Ocorreu um erro ao enviar. Tente novamente.');\r\n        }\r\n      })\r\n      .catch(()=> alert('Erro de conex\u00e3o. Verifique sua internet e tente novamente.'));\r\n  });\r\n\r\n  updateProgress();\r\n})();\r\n<\/script>\r\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1a539ae e-flex e-con-boxed e-con e-parent\" data-id=\"1a539ae\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-25ca47e elementor-widget elementor-widget-spacer\" data-id=\"25ca47e\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9fc2f82 e-flex e-con-boxed e-con e-parent\" data-id=\"9fc2f82\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-83f88bc elementor-widget elementor-widget-menu-anchor\" data-id=\"83f88bc\" data-element_type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"franqueados\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eccb4bc e-flex e-con-boxed e-con e-parent\" data-id=\"eccb4bc\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ea9dc9d elementor-widget elementor-widget-html\" data-id=\"ea9dc9d\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<section id=\"sec-falar-franqueados\" class=\"section fade-in\" style=\"max-width:860px;margin:auto;\">\r\n  <h2 style=\"color:var(--brand);margin-bottom:8px;\">Falar com Franqueados<\/h2>\r\n  <p style=\"color:var(--muted);margin-bottom:18px;\">\r\n    Valide seu e-mail para solicitar contato com franqueados da Federal Invest mais pr\u00f3ximos da sua regi\u00e3o.\r\n  <\/p>\r\n\r\n  <!-- CIDADES: \u201ccr\u00e9ditos de filme\u201d (vertical, loop, visual-only) -->\r\n  <div class=\"cidades-viewport\" aria-hidden=\"true\">\r\n    <div class=\"cidades-track\">\r\n      <!-- bloco A -->\r\n      <div class=\"cidade\">Porto Alegre<\/div>\r\n      <div class=\"cidade\">Florian\u00f3polis<\/div>\r\n      <div class=\"cidade\">Curitiba<\/div>\r\n      <div class=\"cidade\">S\u00e3o Paulo<\/div>\r\n      <div class=\"cidade\">Campinas<\/div>\r\n      <div class=\"cidade\">Ribeir\u00e3o Preto<\/div>\r\n      <div class=\"cidade\">Rio de Janeiro<\/div>\r\n      <div class=\"cidade\">Belo Horizonte<\/div>\r\n      <div class=\"cidade\">Vit\u00f3ria<\/div>\r\n      <div class=\"cidade\">Bras\u00edlia<\/div>\r\n      <div class=\"cidade\">Goi\u00e2nia<\/div>\r\n      <div class=\"cidade\">Campo Grande<\/div>\r\n      <div class=\"cidade\">Cuiab\u00e1<\/div>\r\n      <div class=\"cidade\">Salvador<\/div>\r\n      <div class=\"cidade\">Recife<\/div>\r\n      <div class=\"cidade\">Fortaleza<\/div>\r\n      <div class=\"cidade\">Manaus<\/div>\r\n      <div class=\"cidade\">Bel\u00e9m<\/div>\r\n      <!-- bloco B (duplicado p\/ loop perfeito) -->\r\n      <div class=\"cidade\">Porto Alegre<\/div>\r\n      <div class=\"cidade\">Florian\u00f3polis<\/div>\r\n      <div class=\"cidade\">Curitiba<\/div>\r\n      <div class=\"cidade\">S\u00e3o Paulo<\/div>\r\n      <div class=\"cidade\">Campinas<\/div>\r\n      <div class=\"cidade\">Ribeir\u00e3o Preto<\/div>\r\n      <div class=\"cidade\">Rio de Janeiro<\/div>\r\n      <div class=\"cidade\">Belo Horizonte<\/div>\r\n      <div class=\"cidade\">Vit\u00f3ria<\/div>\r\n      <div class=\"cidade\">Bras\u00edlia<\/div>\r\n      <div class=\"cidade\">Goi\u00e2nia<\/div>\r\n      <div class=\"cidade\">Campo Grande<\/div>\r\n      <div class=\"cidade\">Cuiab\u00e1<\/div>\r\n      <div class=\"cidade\">Salvador<\/div>\r\n      <div class=\"cidade\">Recife<\/div>\r\n      <div class=\"cidade\">Fortaleza<\/div>\r\n      <div class=\"cidade\">Manaus<\/div>\r\n      <div class=\"cidade\">Bel\u00e9m<\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <form id=\"form-franqueados\" action=\"https:\/\/formspree.io\/f\/mqayvbvb\" method=\"POST\" style=\"background:transparent;\">\r\n    <!-- honeypot anti-bot -->\r\n    <input type=\"text\" name=\"website\" tabindex=\"-1\" autocomplete=\"off\" style=\"display:none !important\">\r\n\r\n    <!-- STEP 1: e-mail -->\r\n    <div class=\"step active\">\r\n      <label class=\"fi-q\">Digite seu e-mail<\/label>\r\n      <input type=\"email\" id=\"email\" name=\"email\" placeholder=\"voce@exemplo.com\" required>\r\n      <button type=\"button\" id=\"enviar-email\" class=\"btn\" style=\"margin-top:12px;\">Receber c\u00f3digo por e-mail<\/button>\r\n      <small id=\"hint-email\" class=\"hint\"><\/small>\r\n    <\/div>\r\n\r\n    <!-- STEP 2: c\u00f3digo -->\r\n    <div class=\"step\">\r\n      <label class=\"fi-q\">Informe o c\u00f3digo recebido por e-mail<\/label>\r\n      <input type=\"text\" id=\"codigo-email\" inputmode=\"numeric\" maxlength=\"6\" placeholder=\"Ex.: 123456\" required>\r\n\r\n      <!-- Temporizador visual -->\r\n      <div id=\"cooldown\" class=\"cooldown\" hidden>\r\n        <span>Reenviar c\u00f3digo em <strong><span id=\"cooldown-counter\">60<\/span>s<\/strong><\/span>\r\n        <div class=\"cooldown-bar\"><span id=\"cooldown-fill\"><\/span><\/div>\r\n      <\/div>\r\n\r\n      <div class=\"nav\">\r\n        <button type=\"button\" data-prev class=\"btn-outline\">Voltar<\/button>\r\n        <button type=\"button\" id=\"validar-codigo\" class=\"btn\">Validar c\u00f3digo<\/button>\r\n      <\/div>\r\n      <small id=\"hint-codigo\" class=\"hint\"><\/small>\r\n    <\/div>\r\n\r\n    <!-- STEP 3: dados -->\r\n    <div class=\"step\">\r\n      <label class=\"fi-q\">Informe seus dados para solicitar o contato<\/label>\r\n      <input type=\"text\" name=\"nome\" placeholder=\"Seu nome completo\" required>\r\n      <input type=\"text\" name=\"local\" placeholder=\"Cidade ou regi\u00e3o\" required>\r\n      <input type=\"tel\"  name=\"telefone\" placeholder=\"(DDD) n\u00famero\" required>\r\n      <input type=\"hidden\" name=\"verificado\" id=\"verificado\" value=\"nao\">\r\n      <input type=\"hidden\" name=\"metodo_validacao\" value=\"email\">\r\n      <div class=\"nav\">\r\n        <button type=\"button\" data-prev class=\"btn-outline\">Voltar<\/button>\r\n        <button type=\"submit\" class=\"btn\" id=\"btn-submit\">Solicitar contato<\/button>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <!-- STEP FINAL -->\r\n    <div class=\"step\" id=\"final-step\">\r\n      <h3 style=\"color:var(--brand);margin-bottom:8px;\">Solicita\u00e7\u00e3o enviada!<\/h3>\r\n      <p style=\"color:var(--muted);max-width:60ch\">\r\n        Recebemos seus dados com sucesso. Nossa equipe entrar\u00e1 em contato em breve para dar continuidade ao atendimento.\r\n      <\/p>\r\n    <\/div>\r\n  <\/form>\r\n<\/section>\r\n\r\n<style>\r\n\/* Campos e layout *\/\r\n#sec-falar-franqueados .fi-q{display:block;font-weight:bold;margin-bottom:10px;font-size:1.1rem;color:var(--ink);}\r\n#sec-falar-franqueados input[type=\"text\"],\r\n#sec-falar-franqueados input[type=\"email\"],\r\n#sec-falar-franqueados input[type=\"tel\"]{\r\n  width:100%;padding:12px;border:1px solid var(--line);\r\n  border-radius:25px;background:transparent;margin-bottom:14px;font-size:1rem;color:var(--ink);\r\n}\r\n\r\n\/* Bot\u00f5es + loading *\/\r\n#sec-falar-franqueados .btn{\r\n  background:var(--brand);color:#fff;border:none;border-radius:25px;\r\n  padding:12px 20px;font-weight:bold;cursor:pointer;transition:.25s;position:relative;isolation:isolate;\r\n}\r\n#sec-falar-franqueados .btn:hover{opacity:.92;transform:translateY(-2px);}\r\n#sec-falar-franqueados .btn[disabled]{opacity:.6;cursor:not-allowed;transform:none;}\r\n#sec-falar-franqueados .btn.loading{color:transparent;}\r\n#sec-falar-franqueados .btn.loading::before{\r\n  content:\"\"; width:18px; height:18px; border-radius:50%;\r\n  border:2px solid #fff; border-right-color: transparent;\r\n  position:absolute; top:50%; left:50%; transform:translate(-50%,-50%); \r\n  animation:spin .8s linear infinite;\r\n}\r\n@keyframes spin{to{transform:translate(-50%,-50%) rotate(360deg)}}\r\n\r\n#sec-falar-franqueados .btn-outline{\r\n  background:none;border:2px solid var(--brand);color:var(--brand);\r\n  border-radius:25px;padding:12px 20px;font-weight:bold;cursor:pointer;transition:.25s;\r\n}\r\n#sec-falar-franqueados .btn-outline:hover{background:var(--brand);color:#fff;}\r\n.step{display:none;animation:fadeIn .45s forwards;}\r\n.step.active{display:block;}\r\n@keyframes fadeIn{from{opacity:0;transform:translateY(10px);}to{opacity:1;transform:translateY(0);}}\r\n.nav{display:flex;justify-content:space-between;gap:12px;}\r\n.hint{display:block;margin-top:6px;color:var(--muted);min-height:1.25rem}\r\n\r\n\/* CIDADES: cr\u00e9ditos subindo em loop *\/\r\n.cidades-viewport{\r\n  height:120px; \/* altura vis\u00edvel *\/\r\n  overflow:hidden;\r\n  border:1px dashed var(--line);\r\n  border-radius:16px;\r\n  background:var(--soft);\r\n  padding:10px 16px;\r\n  margin:0 0 20px 0;\r\n}\r\n.cidades-track{\r\n  display:flex; flex-direction:column; gap:8px;\r\n  animation:credits-scroll 18s linear infinite;\r\n}\r\n@keyframes credits-scroll{\r\n  from{ transform: translateY(0); }\r\n  to  { transform: translateY(-50%); } \/* metade porque duplicamos a lista *\/\r\n}\r\n.cidade{\r\n  color:#c9cdd5;   \/* cinza claro *\/\r\n  font-weight:300; \/* peso 300 *\/\r\n  letter-spacing:0.2px;\r\n  user-select:none; cursor:default;\r\n  transition:transform .18s ease, color .18s ease;\r\n  will-change: transform;\r\n}\r\n.cidade:hover{\r\n  color:#000;      \/* preto no hover *\/\r\n  transform:scale(1.08);\r\n}\r\n\r\n\/* Temporizador visual *\/\r\n.cooldown{margin:8px 0 10px 0;}\r\n.cooldown-bar{\r\n  width:100%; height:6px; background:var(--line); border-radius:999px; overflow:hidden; margin-top:6px;\r\n}\r\n#cooldown-fill{\r\n  display:block; height:100%; width:100%; background:var(--brand); transform-origin:left center;\r\n  transform:scaleX(1); transition:transform 1s linear;\r\n}\r\n<\/style>\r\n\r\n<!-- EmailJS SDK -->\r\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/emailjs-com@3\/dist\/email.min.js\"><\/script>\r\n\r\n<script>\r\n(function(){\r\n  \/* CONFIG EMAILJS *\/\r\n  const EMAILJS_PUBLIC_KEY = \"hwnWHc1DYzrA6LAfH\";\r\n  const EMAILJS_SERVICE_ID = \"service_jkxv428\";\r\n  const EMAILJS_TEMPLATE_ID = \"template_avwsfti\"; \/\/ precisa das vars {{email}} e {{code}}\r\n\r\n  emailjs.init(EMAILJS_PUBLIC_KEY);\r\n\r\n  \/* ELEMENTOS *\/\r\n  const form   = document.getElementById('form-franqueados');\r\n  const steps  = Array.from(form.querySelectorAll('.step'));\r\n  let current  = 0;\r\n\r\n  const btnEnviarEmail = document.getElementById('enviar-email');\r\n  const btnValidar     = document.getElementById('validar-codigo');\r\n  const btnSubmit      = document.getElementById('btn-submit');\r\n\r\n  const emailInput = document.getElementById('email');\r\n  const codeInput  = document.getElementById('codigo-email');\r\n  const verificado = document.getElementById('verificado');\r\n\r\n  const hintEmail  = document.getElementById('hint-email');\r\n  const hintCodigo = document.getElementById('hint-codigo');\r\n\r\n  const cooldownBox     = document.getElementById('cooldown');\r\n  const cooldownCounter = document.getElementById('cooldown-counter');\r\n  const cooldownFill    = document.getElementById('cooldown-fill');\r\n\r\n  function showStep(i){\r\n    steps[current].classList.remove('active');\r\n    current = Math.max(0, Math.min(i, steps.length - 1));\r\n    steps[current].classList.add('active');\r\n  }\r\n  form.querySelectorAll('[data-prev]').forEach(b=>b.addEventListener('click',()=>showStep(current-1)));\r\n\r\n  function isEmail(v){ return \/^[^\\s@]+@[^\\s@]+\\.[^\\s@]+$\/.test(v.trim()); }\r\n  function gerarCodigo(){ return (\"\"+Math.floor(100000 + Math.random()*900000)); } \/\/ 6 d\u00edgitos\r\n  function setLoading(btn, flag){\r\n    if(flag){ btn.classList.add('loading'); btn.setAttribute('disabled','disabled'); }\r\n    else{ btn.classList.remove('loading'); btn.removeAttribute('disabled'); }\r\n  }\r\n\r\n  \/* COOLDOWN *\/\r\n  let cooldown = 0, cooldownTimer = null, codigoGerado = null;\r\n  function startCooldown(seconds=60){\r\n    cooldown = seconds;\r\n    cooldownBox.hidden = false;\r\n    tickCooldown();\r\n  }\r\n  function tickCooldown(){\r\n    if(cooldown <= 0){\r\n      cooldownBox.hidden = true;\r\n      return;\r\n    }\r\n    cooldownCounter.textContent = cooldown;\r\n    const frac = Math.max(0, Math.min(1, cooldown\/60));\r\n    cooldownFill.style.transform = `scaleX(${frac})`;\r\n    cooldown--;\r\n    cooldownTimer = setTimeout(tickCooldown, 1000);\r\n  }\r\n  function stopCooldown(){\r\n    if(cooldownTimer){ clearTimeout(cooldownTimer); cooldownTimer = null; }\r\n    cooldownBox.hidden = true;\r\n  }\r\n\r\n  \/* ENVIAR C\u00d3DIGO *\/\r\n  btnEnviarEmail.addEventListener('click', async ()=>{\r\n    const to = emailInput.value.trim();\r\n    hintEmail.textContent = '';\r\n    if(!isEmail(to)){ alert('Informe um e-mail v\u00e1lido.'); return; }\r\n\r\n    setLoading(btnEnviarEmail, true);\r\n    try{\r\n      codigoGerado = gerarCodigo();\r\n      await emailjs.send(EMAILJS_SERVICE_ID, EMAILJS_TEMPLATE_ID, { email: to, code: codigoGerado });\r\n      hintEmail.textContent = 'C\u00f3digo enviado! Verifique sua caixa de entrada (e o spam).';\r\n      startCooldown(60);\r\n      showStep(current+1);\r\n    }catch(err){\r\n      console.error(err);\r\n      alert('N\u00e3o foi poss\u00edvel enviar o e-mail agora. Tente novamente.');\r\n    }finally{\r\n      setLoading(btnEnviarEmail, false);\r\n    }\r\n  });\r\n\r\n  \/* VALIDAR C\u00d3DIGO *\/\r\n  btnValidar.addEventListener('click', ()=>{\r\n    hintCodigo.textContent = '';\r\n    const code = codeInput.value.trim();\r\n    if(!codigoGerado){ alert('Primeiro solicite o c\u00f3digo.'); return; }\r\n    if(code !== codigoGerado){ hintCodigo.textContent = 'C\u00f3digo incorreto. Tente novamente.'; return; }\r\n    verificado.value = 'sim';\r\n    stopCooldown();\r\n    alert('E-mail validado com sucesso!');\r\n    showStep(current+1);\r\n  });\r\n\r\n  \/* ENVIO FINAL (FORMSPREE) *\/\r\n  form.addEventListener('submit', async (e)=>{\r\n    e.preventDefault();\r\n    if(form.querySelector('[name=\"website\"]').value){ return; }\r\n    if(verificado.value !== 'sim'){ alert('Valide seu e-mail antes de enviar.'); return; }\r\n\r\n    setLoading(btnSubmit, true);\r\n    const data = new FormData(form);\r\n    try{\r\n      const resp = await fetch(form.action, { method: form.method, body: data, headers: { 'Accept': 'application\/json' }});\r\n      if(resp.ok){ showStep(steps.length-1); }\r\n      else{ alert('Erro ao enviar. Tente novamente.'); }\r\n    }catch(_){\r\n      alert('Erro de conex\u00e3o. Verifique sua internet.');\r\n    }finally{\r\n      setLoading(btnSubmit, false);\r\n    }\r\n  });\r\n})();\r\n<\/script>\r\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5e2495b e-flex e-con-boxed e-con e-parent\" data-id=\"5e2495b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e6e1cbe elementor-widget elementor-widget-spacer\" data-id=\"e6e1cbe\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7018c84 e-flex e-con-boxed e-con e-parent\" data-id=\"7018c84\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c06f45 elementor-widget elementor-widget-html\" data-id=\"6c06f45\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- =========================\r\nSe\u00e7\u00e3o: Eventos do mercado (com desbloqueio + tracking)\r\n========================= -->\r\n<section id=\"sec-eventos-fomento\" class=\"section\" style=\"max-width:980px;margin:48px auto;position:relative;\">\r\n  <h2 style=\"color:var(--brand);margin:0 0 6px;\">Eventos do mercado<\/h2>\r\n  <p style=\"color:var(--muted);margin:0 0 18px;\">\r\n    Agenda essencial para quem avalia uma <strong>franquia de fomento<\/strong> \u2014 no Brasil e no mundo \u2014 com foco em networking, securitiza\u00e7\u00e3o, factoring e mercado de capitais.\r\n  <\/p>\r\n\r\n  <!-- Overlay de bloqueio (biometria) -->\r\n  <div class=\"evt-lock\" aria-live=\"polite\">\r\n    <button type=\"button\" class=\"bio-btn\" id=\"evt-unlock\" aria-label=\"Desbloquear lista de eventos com biometria\">\r\n      <svg class=\"bio-ico\" viewBox=\"0 0 48 48\" width=\"36\" height=\"36\" aria-hidden=\"true\">\r\n        <path fill=\"currentColor\" d=\"M24 4C14.06 4 6 12.06 6 22v5a2 2 0 0 0 4 0v-5C10 14.27 16.27 8 24 8s14 6.27 14 14v5a2 2 0 0 0 4 0v-5C42 12.06 33.94 4 24 4Zm0 8c-5.52 0-10 4.48-10 10v5a2 2 0 0 0 4 0v-5a6 6 0 0 1 12 0v7a2 2 0 0 0 4 0v-7c0-5.52-4.48-10-10-10Zm0 8a2 2 0 0 0-2 2v11a2 2 0 0 0 4 0V22a2 2 0 0 0-2-2Z\"\/>\r\n      <\/svg>\r\n      <span class=\"bio-text\">Desbloquear<\/span>\r\n      <span class=\"bio-scan\" aria-hidden=\"true\"><\/span>\r\n    <\/button>\r\n    <small class=\"bio-hint\">Toque para ver os eventos (tracking habilitado)<\/small>\r\n  <\/div>\r\n\r\n  <!-- Lista (inicia bloqueada) -->\r\n  <ul class=\"evt-list locked\" style=\"list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:10px;\">\r\n    \r\n    <!-- Fomento Experience (destaque com ponto azul piscando) -->\r\n    <li class=\"evt destaque\">\r\n      <a class=\"evt-link\" href=\"https:\/\/fomentoexperience.com\" target=\"_blank\" rel=\"noopener\" data-event-name=\"Fomento Experience 2025\">\r\n        <div class=\"evt-info\">\r\n          <span class=\"evt-title\">Fomento Experience 2025<\/span>\r\n          <span class=\"evt-meta\">25 nov 2025 \u00b7 S\u00e3o Paulo (BR)<\/span>\r\n        <\/div>\r\n        <div class=\"evt-right\">\r\n          <span class=\"evt-dot\"><\/span>\r\n          <em class=\"evt-tag evt-open\">Inscri\u00e7\u00e3o aberta<\/em>\r\n          <svg class=\"evt-icon\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\r\n            <path fill=\"currentColor\" d=\"M14 3h7v7h-2V6.41l-9.29 9.3-1.42-1.42 9.3-9.29H14V3ZM5 5h6v2H7v10h10v-4h2v6H5V5Z\"\/>\r\n          <\/svg>\r\n        <\/div>\r\n      <\/a>\r\n    <\/li>\r\n\r\n    <!-- ABRAFESC (oficial) -->\r\n    <li class=\"evt\">\r\n      <a class=\"evt-link\" href=\"https:\/\/www.abrafesc.org.br\/\" target=\"_blank\" rel=\"noopener\" data-event-name=\"ABRAFESC \u2014 Agenda e Ciclo de Encontros\">\r\n        <div class=\"evt-info\">\r\n          <span class=\"evt-title\">ABRAFESC \u2014 Agenda e Ciclo de Encontros<\/span>\r\n          <span class=\"evt-meta\">Brasil \u00b7 factoring, ESC & securitiza\u00e7\u00e3o<\/span>\r\n        <\/div>\r\n        <div class=\"evt-right\">\r\n          <em class=\"evt-tag\">Verificar o site<\/em>\r\n          <svg class=\"evt-icon\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M14 3h7v7h-2V6.41l-9.29 9.3-1.42-1.42 9.3-9.29H14V3ZM5 5h6v2H7v10h10v-4h2v6H5V5Z\"\/><\/svg>\r\n        <\/div>\r\n      <\/a>\r\n    <\/li>\r\n\r\n    <!-- SINFAC-SP (oficial) -->\r\n    <li class=\"evt\">\r\n      <a class=\"evt-link\" href=\"https:\/\/sinfacsp.com.br\/\" target=\"_blank\" rel=\"noopener\" data-event-name=\"SINFAC-SP \u2014 Congressos e Eventos\">\r\n        <div class=\"evt-info\">\r\n          <span class=\"evt-title\">SINFAC-SP \u2014 Congressos e Eventos<\/span>\r\n          <span class=\"evt-meta\">S\u00e3o Paulo (BR) \u00b7 factoring & ESC<\/span>\r\n        <\/div>\r\n        <div class=\"evt-right\">\r\n          <em class=\"evt-tag\">Verificar o site<\/em>\r\n          <svg class=\"evt-icon\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M14 3h7v7h-2V6.41l-9.29 9.3-1.42-1.42 9.3-9.29H14V3ZM5 5h6v2H7v10h10v-4h2v6H5V5Z\"\/><\/svg>\r\n        <\/div>\r\n      <\/a>\r\n    <\/li>\r\n\r\n    <!-- ANBIMA (p\u00e1gina oficial de securitiza\u00e7\u00e3o) -->\r\n    <li class=\"evt\">\r\n      <a class=\"evt-link\" href=\"https:\/\/www.anbima.com.br\/pt_br\/assuntos\/securitizacao.htm\" target=\"_blank\" rel=\"noopener\" data-event-name=\"ANBIMA \u2014 Securitiza\u00e7\u00e3o (agenda & conte\u00fados)\">\r\n        <div class=\"evt-info\">\r\n          <span class=\"evt-title\">ANBIMA \u2014 Securitiza\u00e7\u00e3o (agenda & conte\u00fados)<\/span>\r\n          <span class=\"evt-meta\">Brasil \u00b7 atualiza\u00e7\u00f5es e eventos institucionais<\/span>\r\n        <\/div>\r\n        <div class=\"evt-right\">\r\n          <em class=\"evt-tag\">Verificar o site<\/em>\r\n          <svg class=\"evt-icon\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M14 3h7v7h-2V6.41l-9.29 9.3-1.42-1.42 9.3-9.29H14V3ZM5 5h6v2H7v10h10v-4h2v6H5V5Z\"\/><\/svg>\r\n        <\/div>\r\n      <\/a>\r\n    <\/li>\r\n\r\n    <!-- Global ABS (IMN\/AFME) -->\r\n    <li class=\"evt\">\r\n      <a class=\"evt-link\" href=\"https:\/\/www.imn.org\/structured-finance\/conference\/Global-ABS\/\" target=\"_blank\" rel=\"noopener\" data-event-name=\"Global ABS (IMN\/AFME)\">\r\n        <div class=\"evt-info\">\r\n          <span class=\"evt-title\">Global ABS (IMN\/AFME)<\/span>\r\n          <span class=\"evt-meta\">Europa \u00b7 structured finance & securitization<\/span>\r\n        <\/div>\r\n        <div class=\"evt-right\">\r\n          <em class=\"evt-tag\">Previsto<\/em>\r\n          <svg class=\"evt-icon\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M14 3h7v7h-2V6.41l-9.29 9.3-1.42-1.42 9.3-9.29H14V3ZM5 5h6v2H7v10h10v-4h2v6H5V5Z\"\/><\/svg>\r\n        <\/div>\r\n      <\/a>\r\n    <\/li>\r\n\r\n    <!-- ABS East (IMN) -->\r\n    <li class=\"evt\">\r\n      <a class=\"evt-link\" href=\"https:\/\/www.imn.org\/structured-finance\/conference\/ABS-East\/\" target=\"_blank\" rel=\"noopener\" data-event-name=\"ABS East (IMN)\">\r\n        <div class=\"evt-info\">\r\n          <span class=\"evt-title\">ABS East (IMN)<\/span>\r\n          <span class=\"evt-meta\">EUA \u00b7 structured finance & securitization<\/span>\r\n        <\/div>\r\n        <div class=\"evt-right\">\r\n          <em class=\"evt-tag\">Previsto<\/em>\r\n          <svg class=\"evt-icon\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M14 3h7v7h-2V6.41l-9.29 9.3-1.42-1.42 9.3-9.29H14V3ZM5 5h6v2H7v10h10v-4h2v6H5V5Z\"\/><\/svg>\r\n        <\/div>\r\n      <\/a>\r\n    <\/li>\r\n\r\n    <!-- FEBRABAN TECH -->\r\n    <li class=\"evt\">\r\n      <a class=\"evt-link\" href=\"https:\/\/febrabantech.com\/\" target=\"_blank\" rel=\"noopener\" data-event-name=\"FEBRABAN TECH\">\r\n        <div class=\"evt-info\">\r\n          <span class=\"evt-title\">FEBRABAN TECH<\/span>\r\n          <span class=\"evt-meta\">S\u00e3o Paulo (BR) \u00b7 tecnologia & finan\u00e7as<\/span>\r\n        <\/div>\r\n        <div class=\"evt-right\">\r\n          <em class=\"evt-tag\">Verificar o site<\/em>\r\n          <svg class=\"evt-icon\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M14 3h7v7h-2V6.41l-9.29 9.3-1.42-1.42 9.3-9.29H14V3ZM5 5h6v2H7v10h10v-4h2v6H5V5Z\"\/><\/svg>\r\n        <\/div>\r\n      <\/a>\r\n    <\/li>\r\n  <\/ul>\r\n<\/section>\r\n\r\n<style>\r\n  #sec-eventos-fomento .evt {\r\n    border:1px solid var(--line);\r\n    border-radius:14px;\r\n    background:var(--card);\r\n    transition:transform .18s ease, box-shadow .18s ease;\r\n  }\r\n  #sec-eventos-fomento .evt:hover {\r\n    transform:translateY(-2px);\r\n    box-shadow:0 6px 18px rgba(0,0,0,.06);\r\n  }\r\n  #sec-eventos-fomento .evt-link {\r\n    display:flex; align-items:center; justify-content:space-between;\r\n    padding:12px 14px; text-decoration:none; color:var(--ink);\r\n  }\r\n  #sec-eventos-fomento .evt-info {flex:1;}\r\n  #sec-eventos-fomento .evt-title {font-weight:500; display:block;}\r\n  #sec-eventos-fomento .evt-meta {font-weight:400; opacity:.85; font-size:.95rem;}\r\n  #sec-eventos-fomento .evt-right {\r\n    display:flex; align-items:center; gap:8px; margin-left:8px; flex-shrink:0;\r\n  }\r\n  #sec-eventos-fomento .evt-tag {\r\n    font-style:normal; padding:2px 8px; border-radius:999px;\r\n    border:1px solid var(--line); background:transparent; opacity:.9;\r\n    white-space:nowrap; font-size:.9rem;\r\n  }\r\n  #sec-eventos-fomento .evt-open {border-color:var(--brand); color:var(--brand);}\r\n  #sec-eventos-fomento .evt-icon {opacity:.65;}\r\n\r\n  .evt-dot {\r\n    width:7px; height:7px; border-radius:50%;\r\n    background:var(--brand); animation:blink 1.2s infinite ease-in-out;\r\n  }\r\n  @keyframes blink { 0%,100%{opacity:1;transform:scale(1)} 50%{opacity:.25;transform:scale(.7)} }\r\n\r\n  @media (max-width:760px){\r\n    #sec-eventos-fomento .evt-link {flex-direction:column; align-items:flex-start; gap:4px;}\r\n    #sec-eventos-fomento .evt-right {align-self:flex-end;}\r\n  }\r\n\r\n  \/* ------ Bloqueio (biometria) ------ *\/\r\n  .evt-list.locked{\r\n    filter:blur(3px) saturate(.6);\r\n    pointer-events:none;\r\n    user-select:none;\r\n  }\r\n  .evt-lock{\r\n    position:absolute; inset:auto 0 auto 0; top:110px;\r\n    display:flex; flex-direction:column; align-items:center; gap:8px;\r\n    z-index:2; pointer-events:auto;\r\n  }\r\n  .bio-btn{\r\n    position:relative; display:inline-flex; align-items:center; gap:10px;\r\n    padding:10px 14px; border-radius:999px; border:1px solid var(--line);\r\n    background:#fff; color:var(--ink); font-weight:600; cursor:pointer;\r\n    box-shadow:0 6px 18px rgba(0,0,0,.06);\r\n    transition:transform .18s ease, box-shadow .18s ease;\r\n  }\r\n  .bio-btn:hover{ transform:translateY(-1px); box-shadow:0 8px 20px rgba(0,0,0,.08); }\r\n  .bio-ico{color:var(--brand);}\r\n  .bio-text{line-height:1}\r\n  .bio-scan{\r\n    position:absolute; inset:-6px; border-radius:999px; pointer-events:none;\r\n    border:2px solid color-mix(in srgb, var(--brand) 45%, transparent);\r\n    animation:bioPulse 1.6s infinite ease-out;\r\n  }\r\n  @keyframes bioPulse{\r\n    0%{opacity:.8; transform:scale(.9)}\r\n    60%{opacity:0; transform:scale(1.2)}\r\n    100%{opacity:0}\r\n  }\r\n  .bio-hint{color:var(--muted)}\r\n  #sec-eventos-fomento{padding-bottom:6px}\r\n<\/style>\r\n\r\n<script>\r\n(function(){\r\n  window.dataLayer = window.dataLayer || [];\r\n  const pushDL = (eventName, payload={}) => {\r\n    try{ window.dataLayer.push(Object.assign({event: eventName}, payload)); }catch(e){}\r\n  };\r\n\r\n  const btn  = document.getElementById('evt-unlock');\r\n  const list = document.querySelector('#sec-eventos-fomento .evt-list');\r\n  const lock = document.querySelector('#sec-eventos-fomento .evt-lock');\r\n\r\n  if(btn && list && lock){\r\n    btn.addEventListener('click', function(){\r\n      list.classList.remove('locked');\r\n      lock.style.display = 'none';\r\n      pushDL('events_unlock', { method: 'fingerprint', section: 'market_events' });\r\n    });\r\n  }\r\n\r\n  document.querySelectorAll('#sec-eventos-fomento .evt-link').forEach(a=>{\r\n    a.addEventListener('click', function(){\r\n      pushDL('event_click', {\r\n        event_name: this.getAttribute('data-event-name') || this.textContent.trim(),\r\n        href: this.href\r\n      });\r\n    });\r\n  });\r\n})();\r\n<\/script>\r\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6f02da8 e-flex e-con-boxed e-con e-parent\" data-id=\"6f02da8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a0a27a elementor-widget elementor-widget-spacer\" data-id=\"1a0a27a\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e67c138 e-flex e-con-boxed e-con e-parent\" data-id=\"e67c138\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b10a239 elementor-widget elementor-widget-html\" data-id=\"b10a239\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- =========================\r\nSe\u00e7\u00e3o: Etapas para abrir sua ag\u00eancia de fomento\r\nLayout: timeline vertical (uma coluna) + efeito cascata ao rolar\r\nCores: usa vari\u00e1veis do tema (--brand, --ink, --muted, --line, --card, --soft)\r\n========================= -->\r\n<section id=\"timeline-fomento\" class=\"section\" style=\"max-width:980px;margin:56px auto;\">\r\n  <h2 style=\"color:var(--brand);margin:0 0 8px;\">Etapas para abrir sua franquia de fomento<\/h2>\r\n  <p style=\"color:var(--muted);margin:0 0 22px;\">\r\n    Um caminho claro: do primeiro contato \u00e0 inaugura\u00e7\u00e3o e nosso <strong>  suporte permanente<\/strong>. Veja como funciona na pr\u00e1tica o passo a passo de implanta\u00e7\u00e3o da sua ag\u00eancia de fomento, factoring e securitiza\u00e7\u00e3o no Brasil.\r\n  <\/p>\r\n\r\n  <!-- linha vertical cont\u00ednua -->\r\n  <div class=\"tl-rail\"><\/div>\r\n\r\n  <ol class=\"tl-list\">\r\n    <!-- t\u00edtulo de grupo -->\r\n    <li class=\"tl-group\">Conhecendo a institui\u00e7\u00e3o <small>(passo a passo)<\/small><\/li>\r\n\r\n    <!-- 1 -->\r\n    <li class=\"tl-item reveal\">\r\n      <span class=\"tl-pin\" aria-hidden=\"true\"><\/span>\r\n      <div class=\"tl-card\">\r\n        <div class=\"tl-top\">\r\n          <span class=\"tl-badge\">1\u00aa etapa<\/span>\r\n          <span class=\"tl-icon\">\r\n            <svg viewBox=\"0 0 24 24\" width=\"18\" height=\"18\"><path fill=\"currentColor\" d=\"M12 12a5 5 0 1 0-5-5 5 5 0 0 0 5 5Zm0 2c-3.33 0-10 1.67-10 5v1h20v-1c0-3.33-6.67-5-10-5Z\"\/><\/svg>\r\n          <\/span>\r\n        <\/div>\r\n        <h3 class=\"tl-title\">Cadastro no site<\/h3>\r\n        <p class=\"tl-desc\">Envie seus dados e interesses para iniciarmos.<\/p>\r\n      <\/div>\r\n    <\/li>\r\n\r\n    <!-- 2 -->\r\n    <li class=\"tl-item reveal\">\r\n      <span class=\"tl-pin\"><\/span>\r\n      <div class=\"tl-card\">\r\n        <div class=\"tl-top\">\r\n          <span class=\"tl-badge\">2\u00aa etapa<\/span>\r\n          <span class=\"tl-icon\">\r\n            <svg viewBox=\"0 0 24 24\" width=\"18\" height=\"18\"><path fill=\"currentColor\" d=\"M12 2a7 7 0 0 0-7 7v4a3 3 0 0 0 3 3h1v-6H6V9a6 6 0 0 1 12 0v1h-3v6h1a3 3 0 0 0 3-3V9a7 7 0 0 0-7-7Z\"\/><\/svg>\r\n          <\/span>\r\n        <\/div>\r\n        <h3 class=\"tl-title\">Atendimento<\/h3>\r\n        <p class=\"tl-desc\">Primeira conversa para entender perfil, regi\u00e3o e expectativas.<\/p>\r\n      <\/div>\r\n    <\/li>\r\n\r\n    <!-- 3 -->\r\n    <li class=\"tl-item reveal\">\r\n      <span class=\"tl-pin\"><\/span>\r\n      <div class=\"tl-card\">\r\n        <div class=\"tl-top\">\r\n          <span class=\"tl-badge\">3\u00aa etapa<\/span>\r\n          <span class=\"tl-icon\">\r\n            <svg viewBox=\"0 0 24 24\" width=\"18\" height=\"18\"><path fill=\"currentColor\" d=\"M3 3h18v2H3V3Zm2 4h14v10H5V7Zm-2 12h18v2H3v-2Z\"\/><\/svg>\r\n          <\/span>\r\n        <\/div>\r\n        <h3 class=\"tl-title\">Apresenta\u00e7\u00e3o do modelo de neg\u00f3cio<\/h3>\r\n        <p class=\"tl-desc\">Estrat\u00e9gia, opera\u00e7\u00e3o, investimento e retorno.<\/p>\r\n      <\/div>\r\n    <\/li>\r\n\r\n    <!-- 4 -->\r\n    <li class=\"tl-item reveal\">\r\n      <span class=\"tl-pin\"><\/span>\r\n      <div class=\"tl-card\">\r\n        <div class=\"tl-top\">\r\n          <span class=\"tl-badge\">4\u00aa etapa<\/span>\r\n          <span class=\"tl-icon\">\r\n            <svg viewBox=\"0 0 24 24\" width=\"18\" height=\"18\"><path fill=\"currentColor\" d=\"M2 3h20v14H6l-4 4V3Z\"\/><\/svg>\r\n          <\/span>\r\n        <\/div>\r\n        <h3 class=\"tl-title\">Reuni\u00e3o tira d\u00favidas<\/h3>\r\n        <p class=\"tl-desc\">Alinhamento de expectativas, regi\u00f5es, metas e suporte.<\/p>\r\n      <\/div>\r\n    <\/li>\r\n\r\n    <!-- 5 -->\r\n    <li class=\"tl-item reveal\">\r\n      <span class=\"tl-pin\"><\/span>\r\n      <div class=\"tl-card\">\r\n        <div class=\"tl-top\">\r\n          <span class=\"tl-badge\">5\u00aa etapa<\/span>\r\n          <span class=\"tl-icon\">\r\n            <svg viewBox=\"0 0 24 24\" width=\"18\" height=\"18\"><path fill=\"currentColor\" d=\"M3 17.25V21h3.75L17.81 9.94l-3.75-3.75L3 17.25Zm18-10.5a1 1 0 0 0 0-1.41l-2.34-2.34a1 1 0 0 0-1.41 0l-1.83 1.83 3.75 3.75L21 6.75Z\"\/><\/svg>\r\n          <\/span>\r\n        <\/div>\r\n        <h3 class=\"tl-title\">Assinatura da COF<\/h3>\r\n        <p class=\"tl-desc\">Confirma\u00e7\u00e3o formal do recebimento da COF para an\u00e1lise.<\/p>\r\n      <\/div>\r\n    <\/li>\r\n\r\n    <!-- 6 -->\r\n    <li class=\"tl-item reveal\">\r\n      <span class=\"tl-pin\"><\/span>\r\n      <div class=\"tl-card\">\r\n        <div class=\"tl-top\">\r\n          <span class=\"tl-badge\">6\u00aa etapa<\/span>\r\n          <span class=\"tl-icon\">\r\n            <svg viewBox=\"0 0 24 24\" width=\"18\" height=\"18\"><path fill=\"currentColor\" d=\"M9 2a7 7 0 1 0 4.9 11.9l4.6 4.6 1.4-1.4-4.6-4.6A7 7 0 0 0 9 2Z\"\/><\/svg>\r\n          <\/span>\r\n        <\/div>\r\n        <h3 class=\"tl-title\">An\u00e1lise <small class=\"tl-optional\">(opcional)<\/small><\/h3>\r\n        <p class=\"tl-desc\">Fale com franqueado \/ conhe\u00e7a a sede.<\/p>\r\n      <\/div>\r\n    <\/li>\r\n\r\n    <!-- 7 -->\r\n    <li class=\"tl-item reveal\">\r\n      <span class=\"tl-pin\"><\/span>\r\n      <div class=\"tl-card\">\r\n        <div class=\"tl-top\">\r\n          <span class=\"tl-badge\">7\u00aa etapa<\/span>\r\n          <span class=\"tl-icon\">\r\n            <svg viewBox=\"0 0 24 24\" width=\"18\" height=\"18\"><path fill=\"currentColor\" d=\"M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8Zm0 2.5L18.5 9H14Z\"\/><\/svg>\r\n          <\/span>\r\n        <\/div>\r\n        <h3 class=\"tl-title\">Envio da documenta\u00e7\u00e3o<\/h3>\r\n        <p class=\"tl-desc\">Cadastro e compliance para habilita\u00e7\u00e3o da franquia.<\/p>\r\n      <\/div>\r\n    <\/li>\r\n\r\n    <!-- 8 -->\r\n    <li class=\"tl-item reveal\">\r\n      <span class=\"tl-pin\"><\/span>\r\n      <div class=\"tl-card\">\r\n        <div class=\"tl-top\">\r\n          <span class=\"tl-badge\">8\u00aa etapa<\/span>\r\n          <span class=\"tl-icon\">\r\n            <svg viewBox=\"0 0 24 24\" width=\"18\" height=\"18\"><path fill=\"currentColor\" d=\"M7 2h10a2 2 0 0 1 2 2v16l-5-2-5 2V4a2 2 0 0 1 2-2Z\"\/><\/svg>\r\n          <\/span>\r\n        <\/div>\r\n        <h3 class=\"tl-title\">Assinatura do contrato<\/h3>\r\n        <p class=\"tl-desc\">Franquia formalizada \u2014 seguimos para implanta\u00e7\u00e3o.<\/p>\r\n      <\/div>\r\n    <\/li>\r\n\r\n    <!-- t\u00edtulo de grupo -->\r\n    <li class=\"tl-group\">Implantando sua Ag\u00eancia <small>(\u2248 45 dias)<\/small><\/li>\r\n\r\n    <!-- 1 -->\r\n    <li class=\"tl-item reveal\">\r\n      <span class=\"tl-pin\"><\/span>\r\n      <div class=\"tl-card\">\r\n        <div class=\"tl-top\">\r\n          <span class=\"tl-badge\">1\u00aa etapa<\/span>\r\n          <span class=\"tl-icon\">\r\n            <svg viewBox=\"0 0 24 24\" width=\"18\" height=\"18\"><path fill=\"currentColor\" d=\"M12 12a5 5 0 1 0-5-5 5 5 0 0 0 5 5Zm-7 9v-1a7 7 0 0 1 14 0v1Z\"\/><\/svg>\r\n          <\/span>\r\n        <\/div>\r\n        <h3 class=\"tl-title\">Reuni\u00e3o boas-vindas<\/h3>\r\n        <p class=\"tl-desc\">Kick-off com plano de implanta\u00e7\u00e3o e cronograma.<\/p>\r\n      <\/div>\r\n    <\/li>\r\n\r\n    <!-- 2 -->\r\n    <li class=\"tl-item reveal\">\r\n      <span class=\"tl-pin\"><\/span>\r\n      <div class=\"tl-card\">\r\n        <div class=\"tl-top\">\r\n          <span class=\"tl-badge\">2\u00aa etapa<\/span>\r\n          <span class=\"tl-icon\">\r\n            <svg viewBox=\"0 0 24 24\" width=\"18\" height=\"18\"><path fill=\"currentColor\" d=\"M3 3h18v2H3V3Zm0 8h18v2H3v-2Zm0 8h18v2H3v-2Z\"\/><\/svg>\r\n          <\/span>\r\n        <\/div>\r\n        <h3 class=\"tl-title\">Reuni\u00e3o de planejamento<\/h3>\r\n        <p class=\"tl-desc\">Metas, funil comercial, estrutura e ferramentas.<\/p>\r\n      <\/div>\r\n    <\/li>\r\n\r\n    <!-- 3 -->\r\n    <li class=\"tl-item reveal\">\r\n      <span class=\"tl-pin\"><\/span>\r\n      <div class=\"tl-card\">\r\n        <div class=\"tl-top\">\r\n          <span class=\"tl-badge\">3\u00aa etapa<\/span>\r\n          <span class=\"tl-icon\">\r\n            <svg viewBox=\"0 0 24 24\" width=\"18\" height=\"18\"><path fill=\"currentColor\" d=\"M12 3 1 9l11 6 9-4.91V17h2V9L12 3Z\"\/><\/svg>\r\n          <\/span>\r\n        <\/div>\r\n        <h3 class=\"tl-title\">Treinamento te\u00f3rico<\/h3>\r\n        <p class=\"tl-desc\">Produto, cr\u00e9dito, risco, compliance e opera\u00e7\u00f5es.<\/p>\r\n      <\/div>\r\n    <\/li>\r\n\r\n    <!-- 4 -->\r\n    <li class=\"tl-item reveal\">\r\n      <span class=\"tl-pin\"><\/span>\r\n      <div class=\"tl-card\">\r\n        <div class=\"tl-top\">\r\n          <span class=\"tl-badge\">4\u00aa etapa<\/span>\r\n          <span class=\"tl-icon\">\r\n            <svg viewBox=\"0 0 24 24\" width=\"18\" height=\"18\"><path fill=\"currentColor\" d=\"M4 3h16v2H4V3Zm0 4h10v2H4V7Zm0 4h16v2H4v-2Zm0 4h10v2H4v-2Z\"\/><\/svg>\r\n          <\/span>\r\n        <\/div>\r\n        <h3 class=\"tl-title\">Treinamento pr\u00e1tico<\/h3>\r\n        <p class=\"tl-desc\">Ferramentas, origina\u00e7\u00e3o, an\u00e1lise e onboarding de clientes.<\/p>\r\n      <\/div>\r\n    <\/li>\r\n\r\n    <!-- 5 -->\r\n    <li class=\"tl-item reveal\">\r\n      <span class=\"tl-pin\"><\/span>\r\n      <div class=\"tl-card\">\r\n        <div class=\"tl-top\">\r\n          <span class=\"tl-badge\">5\u00aa etapa<\/span>\r\n          <span class=\"tl-icon\">\r\n            <svg viewBox=\"0 0 24 24\" width=\"18\" height=\"18\"><path fill=\"currentColor\" d=\"m12 2 4 8h8l-6 6 2 8-8-5-8 5 2-8-6-6h8Z\"\/><\/svg>\r\n          <\/span>\r\n        <\/div>\r\n        <h3 class=\"tl-title\">Implanta\u00e7\u00e3o<\/h3>\r\n        <p class=\"tl-desc\">Time pronto, processos definidos e opera\u00e7\u00e3o habilitada.<\/p>\r\n      <\/div>\r\n    <\/li>\r\n\r\n    <!-- 6 -->\r\n    <li class=\"tl-item reveal\">\r\n      <span class=\"tl-pin\"><\/span>\r\n      <div class=\"tl-card\">\r\n        <div class=\"tl-top\">\r\n          <span class=\"tl-badge\">6\u00aa etapa<\/span>\r\n          <span class=\"tl-icon\">\r\n            <svg viewBox=\"0 0 24 24\" width=\"18\" height=\"18\"><path fill=\"currentColor\" d=\"M4 4h16v4H4V4Zm0 6h16v10H4V10Zm2 2v6h12v-6H6Z\"\/><\/svg>\r\n          <\/span>\r\n        <\/div>\r\n        <h3 class=\"tl-title\">Inaugura\u00e7\u00e3o<\/h3>\r\n        <p class=\"tl-desc\">Go-live comercial com apoio da franqueadora.<\/p>\r\n      <\/div>\r\n    <\/li>\r\n  <\/ol>\r\n<\/section>\r\n\r\n<style>\r\n  \/* trilho vertical fixo *\/\r\n  #timeline-fomento{position:relative}\r\n  #timeline-fomento .tl-rail{\r\n    position:absolute;left:22px;top:86px;bottom:0;width:2px;background:var(--line);\r\n  }\r\n\r\n  \/* lista *\/\r\n  #timeline-fomento .tl-list{list-style:none;margin:0;padding:0}\r\n\r\n  \/* t\u00edtulo de grupo *\/\r\n  #timeline-fomento .tl-group{\r\n    margin:18px 0 10px 0;padding:10px 12px 10px 52px;border:1px solid var(--line);\r\n    background:var(--card);border-radius:12px;color:var(--ink);font-weight:600;\r\n  }\r\n  #timeline-fomento .tl-group small{color:var(--muted);font-weight:400}\r\n\r\n  \/* item *\/\r\n  #timeline-fomento .tl-item{\r\n    position:relative;padding-left:52px;margin:0 0 14px;\r\n    opacity:0;transform:translateY(12px);\r\n  }\r\n\r\n  \/* pino (ponto estilo LATAM) *\/\r\n  #timeline-fomento .tl-pin{\r\n    position:absolute;left:14px;top:18px;width:18px;height:18px;border-radius:50%;\r\n    background:#fff;border:2px solid var(--brand);\r\n    box-shadow:0 0 0 4px color-mix(in srgb, var(--brand) 18%, transparent);\r\n  }\r\n\r\n  \/* cart\u00e3o *\/\r\n  #timeline-fomento .tl-card{\r\n    background:var(--soft,#f7f8fc);border:1px solid var(--line);border-radius:12px;\r\n    padding:12px 14px;\r\n  }\r\n  #timeline-fomento .tl-top{display:flex;align-items:center;gap:8px;margin:0 0 6px}\r\n  #timeline-fomento .tl-badge{background:var(--brand);color:#fff;border-radius:999px;\r\n    font-size:.75rem;padding:2px 8px}\r\n  #timeline-fomento .tl-icon{display:inline-flex;align-items:center;justify-content:center;\r\n    width:26px;height:26px;border:1px solid var(--line);border-radius:8px;background:#fff;color:var(--brand)}\r\n  #timeline-fomento .tl-title{margin:0 0 2px;color:var(--ink);font-size:1.05rem}\r\n  #timeline-fomento .tl-title .tl-optional{color:var(--muted);font-weight:400;margin-left:4px}\r\n  #timeline-fomento .tl-desc{margin:0;color:var(--muted)}\r\n\r\n  \/* reveal em cascata *\/\r\n  #timeline-fomento .tl-item.in{opacity:1;transform:none;transition:opacity .5s ease, transform .5s ease}\r\n  #timeline-fomento .tl-item.in:nth-of-type(2){transition-delay:.05s}\r\n  #timeline-fomento .tl-item.in:nth-of-type(3){transition-delay:.1s}\r\n  #timeline-fomento .tl-item.in:nth-of-type(4){transition-delay:.15s}\r\n  #timeline-fomento .tl-item.in:nth-of-type(5){transition-delay:.2s}\r\n  #timeline-fomento .tl-item.in:nth-of-type(6){transition-delay:.25s}\r\n  #timeline-fomento .tl-item.in:nth-of-type(7){transition-delay:.3s}\r\n  #timeline-fomento .tl-item.in:nth-of-type(8){transition-delay:.35s}\r\n  #timeline-fomento .tl-item.in:nth-of-type(9){transition-delay:.4s}\r\n  #timeline-fomento .tl-item.in:nth-of-type(10){transition-delay:.45s}\r\n  #timeline-fomento .tl-item.in:nth-of-type(11){transition-delay:.5s}\r\n 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class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8da3996 elementor-widget elementor-widget-spacer\" data-id=\"8da3996\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b87dbbf e-flex e-con-boxed e-con e-parent\" data-id=\"b87dbbf\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d46bcb elementor-widget elementor-widget-menu-anchor\" data-id=\"2d46bcb\" data-element_type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"modelo\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7e1afb5 e-flex e-con-boxed e-con e-parent\" data-id=\"7e1afb5\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-24a3ebb elementor-widget elementor-widget-html\" data-id=\"24a3ebb\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- =========================\r\nSe\u00e7\u00e3o: Modelo de Neg\u00f3cio (vers\u00e3o com lista suspensa de perfis)\r\n========================= -->\r\n<section id=\"sec-modelos-federal\" class=\"section\" style=\"max-width:1100px;margin:44px auto;\">\r\n  <header class=\"mn-head\">\r\n    <h2>Modelo de Neg\u00f3cio<\/h2>\r\n    <p class=\"mn-sub\">\r\n      Veja os formatos de <strong>franquia de fomento<\/strong> e escolha o que combina com seu perfil e capital dispon\u00edvel. A recomenda\u00e7\u00e3o abaixo \u00e9 um ponto de partida \u2014 voc\u00ea conduz o processo e toma a decis\u00e3o.\r\n    <\/p>\r\n  <\/header>\r\n\r\n  <!-- Cart\u00f5es resumidos -->\r\n  <div class=\"mn-cards\">\r\n    <article class=\"mn-card\">\r\n      <h3 class=\"mn-card-title\">Modelo Convencional<\/h3>\r\n      <p class=\"mn-card-tag\">Estrutura completa \u2022 M\u00e1xima credibilidade<\/p>\r\n      <details class=\"mn-acc\">\r\n        <summary>Ver detalhes<\/summary>\r\n        <ul class=\"mn-list\">\r\n          <li>Presen\u00e7a f\u00edsica completa, com unidade padronizada que refor\u00e7a a for\u00e7a e a solidez da marca.<\/li>\r\n          <li>Transfer\u00eancia de know-how acelerada: o franqueado e sua equipe executam todo o processo internamente.<\/li>\r\n          <li>Maior percep\u00e7\u00e3o de profissionalismo e robustez na sua cidade e regi\u00e3o.<\/li>\r\n          <li>Ideal para quem tem agenda para focar com exclusividade na Franquia Federal Invest.<\/li>\r\n        <\/ul>\r\n      <\/details>\r\n    <\/article>\r\n\r\n    <article class=\"mn-card\">\r\n      <h3 class=\"mn-card-title\">Modelo Distrito<\/h3>\r\n      <p class=\"mn-card-tag\">Estrutura enxuta \u2022 Suporte pr\u00f3ximo<\/p>\r\n      <details class=\"mn-acc\">\r\n        <summary>Ver detalhes<\/summary>\r\n        <ul class=\"mn-list\">\r\n          <li>Estrutura enxuta conectada diretamente \u00e0 Federal Invest ou a um franqueado s\u00eanior.<\/li>\r\n          <li>Opera\u00e7\u00e3o vinculada a uma unidade experiente, com hist\u00f3rico e governan\u00e7a consolidados.<\/li>\r\n          <li>Necessidade menor de equipe e espa\u00e7o f\u00edsico, com investimento mais otimizado.<\/li>\r\n          <li>Excelente para iniciar mantendo suporte pr\u00f3ximo e a autoridade da marca na sua regi\u00e3o.<\/li>\r\n        <\/ul>\r\n      <\/details>\r\n    <\/article>\r\n\r\n    <article class=\"mn-card\">\r\n      <h3 class=\"mn-card-title\">Central de Opera\u00e7\u00f5es<\/h3>\r\n      <p class=\"mn-card-tag\">Zero estrutura f\u00edsica \u2022 Foco em relacionamento<\/p>\r\n      <details class=\"mn-acc\">\r\n        <summary>Ver detalhes<\/summary>\r\n        <ul class=\"mn-list\">\r\n          <li>Zero estrutura f\u00edsica e zero equipe pr\u00f3pria no in\u00edcio \u2014 opera\u00e7\u00e3o extremamente leve.<\/li>\r\n          <li>Toda a parte burocr\u00e1tica \u00e9 executada pela equipe da Central, com seguran\u00e7a e efici\u00eancia.<\/li>\r\n          <li>Ideal para quem tem agenda limitada ou est\u00e1 come\u00e7ando no mercado de solu\u00e7\u00f5es financeiras.<\/li>\r\n          <li>Libera o que o franqueado tem de mais precioso: tempo, para focar em relacionamento e gera\u00e7\u00e3o de neg\u00f3cios.<\/li>\r\n        <\/ul>\r\n      <\/details>\r\n    <\/article>\r\n  <\/div>\r\n\r\n  <!-- Perfil (lista suspensa) -->\r\n  <div class=\"mn-section\">\r\n    <h4 class=\"mn-sec-title\">Seu perfil<\/h4>\r\n    <select id=\"mn-select\" aria-label=\"Selecione seu perfil\" class=\"mn-select\">\r\n      <option value=\"\">Selecione...<\/option>\r\n      <option value=\"conv\">Ex-banc\u00e1rio<\/option>\r\n      <option value=\"conv\">Private banker<\/option>\r\n      <option value=\"central\">Aposentado<\/option>\r\n      <option value=\"conv\">Alta renda em transi\u00e7\u00e3o<\/option>\r\n      <option value=\"dist\">Jovem empreendedor<\/option>\r\n      <option value=\"conv\">Investidor \u00e1vido<\/option>\r\n      <option value=\"conv\">Ex-franqueado<\/option>\r\n      <option value=\"conv\">Franqueado (com permiss\u00e3o)<\/option>\r\n      <option value=\"conv\">Construtor de neg\u00f3cio familiar<\/option>\r\n      <option value=\"central\">Outro perfil<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <!-- Capital -->\r\n  <div class=\"mn-section\">\r\n    <h4 class=\"mn-sec-title\">Capital dispon\u00edvel (estimado)<\/h4>\r\n    <input id=\"mn-range\" type=\"range\" min=\"300\" max=\"1000\" step=\"50\" value=\"500\" aria-label=\"Capital dispon\u00edvel em milhares de reais\">\r\n    <div class=\"mn-cap-scale\" aria-hidden=\"true\">\r\n      <span>R$300k<\/span><span>R$500k<\/span><span>R$1M+<\/span>\r\n    <\/div>\r\n    <p class=\"mn-cap-note\">\r\n      Refer\u00eancia: a partir de <strong>R$ 300 mil<\/strong> (s\u00f3cio). Ideal entre <strong>R$ 500 mil<\/strong> e <strong>R$ 1 milh\u00e3o<\/strong>, conforme apetite e metas.\r\n    <\/p>\r\n  <\/div>\r\n\r\n  <!-- Recomenda\u00e7\u00f5es -->\r\n  <div class=\"mn-reco\" id=\"mn-reco\">\r\n    <span class=\"mn-reco-tag\">Recomenda\u00e7\u00e3o<\/span>\r\n    <h4 id=\"mn-reco-title\">Modelo Convencional<\/h4>\r\n    <p id=\"mn-reco-body\">\r\n      Capital estimado: <strong>R$ 500 mil<\/strong>. Unidade com estrutura f\u00edsica completa e padronizada, refor\u00e7ando a solidez e a credibilidade da marca na sua regi\u00e3o.\r\n    <\/p>\r\n    <p class=\"mn-reco-crit\" id=\"mn-reco-crit\">\r\n      Par\u00e2metro: indicado a partir de <strong>R$ 500 mil<\/strong>, com maior conforto entre <strong>R$ 600 mil<\/strong> e <strong>R$ 1 milh\u00e3o<\/strong>, dependendo do porte e da ambi\u00e7\u00e3o de crescimento.\r\n    <\/p>\r\n  <\/div>\r\n\r\n  <!-- Carrossel -->\r\n  <div class=\"mn-section\">\r\n    <h4 class=\"mn-sec-title\">Inspira\u00e7\u00f5es do espa\u00e7o<\/h4>\r\n    <div class=\"mn-carousel\" id=\"mn-carousel\" aria-label=\"Galeria de exemplos de opera\u00e7\u00e3o\"><\/div>\r\n  <\/div>\r\n<\/section>\r\n\r\n<style>\r\n\/* ===== escopo ===== *\/\r\n#sec-modelos-federal *{box-sizing:border-box}\r\n#sec-modelos-federal h2{color:var(--brand);margin:0 0 6px}\r\n#sec-modelos-federal .mn-sub{color:var(--muted);margin:0 0 14px}\r\n#sec-modelos-federal 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title=root.querySelector('#mn-reco-title');\r\n  const body=root.querySelector('#mn-reco-body');\r\n  const crit=root.querySelector('#mn-reco-crit');\r\n  let bias=null;\r\n\r\n  select.addEventListener('change',()=>{\r\n    bias=select.value||null;\r\n    update();\r\n  });\r\n\r\n  range.addEventListener('input',()=>{\r\n    const pct=(range.value-range.min)\/(range.max-range.min)*100;\r\n    range.style.background=`linear-gradient(90deg,var(--brand) ${pct}%,#e9ecf2 ${pct}%)`;\r\n    update();\r\n  });\r\n\r\n  function update(){\r\n    const cap=Number(range.value);\r\n\r\n    \/\/ base pela faixa de capital\r\n    let rec='dist';\r\n    if(cap<400){\r\n      rec='central';\r\n    }else if(cap>=400 && cap<650){\r\n      rec='dist';\r\n    }else{\r\n      rec='conv';\r\n    }\r\n\r\n    \/\/ vi\u00e9s do perfil selecionado\r\n    if(bias==='conv' && cap>=450) rec='conv';\r\n    if(bias==='central' && cap<=600) rec='central';\r\n    if(bias==='dist' && cap>=350 && cap<=750) rec='dist';\r\n\r\n    const capFmt=`R$ ${cap.toLocaleString('pt-BR')} mil`;\r\n\r\n    if(rec==='conv'){\r\n      title.textContent='Modelo Convencional';\r\n      body.innerHTML=`Capital estimado: <strong>${capFmt}<\/strong>. Unidade com estrutura f\u00edsica completa e padronizada, refor\u00e7ando a solidez e a credibilidade da marca na sua regi\u00e3o. Indicado para quem busca maior percep\u00e7\u00e3o de profissionalismo e robustez e pode focar com exclusividade na Franquia.`;\r\n      crit.innerHTML=`Par\u00e2metro: indicado a partir de <strong>R$ 500 mil<\/strong>, com maior conforto entre <strong>R$ 600 mil<\/strong> e <strong>R$ 1 milh\u00e3o<\/strong>, dependendo do porte desejado e da ambi\u00e7\u00e3o de crescimento.`;\r\n    }else if(rec==='dist'){\r\n      title.textContent='Modelo Distrito';\r\n      body.innerHTML=`Capital estimado: <strong>${capFmt}<\/strong>. Estrutura enxuta conectada a uma unidade experiente (Federal Invest ou franqueado s\u00eanior), com menor necessidade de equipe e espa\u00e7o f\u00edsico, mantendo suporte pr\u00f3ximo e autoridade da marca.`;\r\n      crit.innerHTML=`Par\u00e2metro: indicado para quem deseja iniciar com investimento otimizado, normalmente entre <strong>R$ 350 mil<\/strong> e <strong>R$ 600 mil<\/strong>, podendo evoluir para uma estrutura convencional conforme a carteira cresce.`;\r\n    }else{\r\n      title.textContent='Central de Opera\u00e7\u00f5es';\r\n      body.innerHTML=`Capital estimado: <strong>${capFmt}<\/strong>. Opera\u00e7\u00e3o sem estrutura f\u00edsica inicial e sem equipe pr\u00f3pria, com toda a parte burocr\u00e1tica executada pela equipe da Central, liberando seu tempo para foco total no relacionamento e na origina\u00e7\u00e3o de neg\u00f3cios.`;\r\n      crit.innerHTML=`Par\u00e2metro: indicado para quem tem agenda limitada ou est\u00e1 entrando no mercado de solu\u00e7\u00f5es financeiras, a partir de <strong>R$ 300 mil<\/strong>, priorizando leveza operacional e seguran\u00e7a na execu\u00e7\u00e3o.`;\r\n    }\r\n  }\r\n\r\n  update();\r\n})();\r\n<\/script>\r\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b165fb e-flex e-con-boxed e-con e-parent\" data-id=\"1b165fb\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7abf01b elementor-widget elementor-widget-html\" data-id=\"7abf01b\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- CTA lateral direita: texto \u00e0 esquerda + seta \u2191 animada (\u00e2ncora para #form001) -->\r\n<a id=\"btn-obter-info\" class=\"cta-inline\" href=\"#form001\" aria-label=\"Obter informa\u00e7\u00f5es\">\r\n  <span class=\"label\">Obter informa\u00e7\u00f5es<\/span>\r\n  <span class=\"arrow\" aria-hidden=\"true\"><\/span>\r\n<\/a>\r\n\r\n<style>\r\n  \/* Bot\u00e3o lateral (posi\u00e7\u00e3o dentro da se\u00e7\u00e3o) *\/\r\n  #btn-obter-info{\r\n    position:absolute; right:32px; margin:8px 0;\r\n    display:inline-flex; align-items:center; gap:10px;\r\n    text-decoration:none; background:transparent;\r\n    opacity:.67;                \/* 33% transl\u00facido *\/\r\n    z-index:10; pointer-events:auto;\r\n  }\r\n\r\n  \/* Texto \u00e0 esquerda *\/\r\n  #btn-obter-info .label{\r\n    font:300 14px\/1.1 ui-sans-serif,system-ui,-apple-system,\"Segoe UI\",Roboto,Arial;\r\n    color:#1426c9;\r\n    animation:labelSwap 2.6s 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 @keyframes labelSwap{\r\n    0%   { color:#1426c9; }\r\n    50%  { color:#525252; }\r\n    100% { color:#1426c9; }\r\n  }\r\n\r\n  \/* Rolagem suave para \u00e2ncoras (nativo) *\/\r\n  html { scroll-behavior:smooth; }\r\n\r\n  @media (prefers-reduced-motion:reduce){\r\n    #btn-obter-info .arrow, #btn-obter-info .label{ animation:none; }\r\n    #btn-obter-info .arrow{ background:#1426c9; }\r\n    #btn-obter-info .label{ color:#1426c9; }\r\n  }\r\n<\/style>\r\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1fd0fa5 e-flex e-con-boxed e-con e-parent\" data-id=\"1fd0fa5\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-77674ba elementor-widget elementor-widget-spacer\" data-id=\"77674ba\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aceb536 e-flex e-con-boxed e-con e-parent\" data-id=\"aceb536\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-81f8d64 elementor-widget elementor-widget-menu-anchor\" data-id=\"81f8d64\" data-element_type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"apresentacao\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-afb65d4 e-flex e-con-boxed e-con e-parent\" data-id=\"afb65d4\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b74220 elementor-widget elementor-widget-html\" data-id=\"5b74220\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- =========================\r\nSe\u00e7\u00e3o: Download \u2013 Apresenta\u00e7\u00e3o Oficial 2025 (com imagem de capa)\r\n========================= -->\r\n<section id=\"sec-download-apresentacao\" class=\"section\" style=\"max-width:1100px;margin:28px auto;\">\r\n  <div class=\"fi-dl-card\">\r\n    <!-- Capa clic\u00e1vel -->\r\n    <a class=\"fi-dl-cover\" href=\"#\" id=\"fi-dl-cover\" aria-label=\"Baixar PDF Apresenta\u00e7\u00e3o Oficial 2025\">\r\n      <img decoding=\"async\" src=\"https:\/\/franquiadefomento.com.br\/wp-content\/uploads\/2025\/11\/capa-apn-federal-invest-franquia-de-fomento-secao-lp003-00120251107.png\"\r\n           alt=\"Capa Apresenta\u00e7\u00e3o Oficial 2025\"\r\n           class=\"fi-dl-thumb\">\r\n    <\/a>\r\n\r\n    <!-- Texto + CTA -->\r\n    <div class=\"fi-dl-meta\">\r\n      <h3 class=\"fi-dl-h\">Apresenta\u00e7\u00e3o Oficial 2025<\/h3>\r\n      <p class=\"fi-dl-p\">\r\n        Descubra em detalhes como se tornar dono de uma <strong>franquia de fomento<\/strong> \u2014 um modelo de neg\u00f3cio moderno e s\u00f3lido que\r\n        combina <strong>ag\u00eancia de securitiza\u00e7\u00e3o<\/strong> e <strong>factoring<\/strong> sob o selo da <strong>Federal Invest<\/strong>.\r\n        Baixe o material completo e conhe\u00e7a os diferenciais, a estrutura operacional e as oportunidades de expans\u00e3o no mercado\r\n        de cr\u00e9dito e fomento mercantil em todo o Brasil.\r\n      <\/p>\r\n\r\n      <a id=\"btn-download-apresentacao\"\r\n         class=\"fi-dl-btn\"\r\n         href=\"https:\/\/franquiadefomento.com.br\/wp-content\/uploads\/2025\/11\/Apresentacao-oficial-2025.pdf?download=1\"\r\n         download\r\n         target=\"_blank\"\r\n         rel=\"noopener\">\r\n        <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" aria-hidden=\"true\">\r\n          <path fill=\"currentColor\" d=\"M5 20h14v-2H5v2Zm7-3l5-5h-3V4h-4v8H7l5 5Z\"\/>\r\n        <\/svg>\r\n        Baixar PDF\r\n      <\/a>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <style>\r\n    \/* ===== Card base ===== *\/\r\n    #sec-download-apresentacao .fi-dl-card{\r\n      display:flex; align-items:center; gap:24px;\r\n      border:1px solid var(--line); background:var(--card);\r\n      border-radius:20px; padding:18px 20px;\r\n      box-shadow:0 4px 14px rgba(0,0,0,.04);\r\n    }\r\n    #sec-download-apresentacao .fi-dl-card:hover{ box-shadow:0 6px 18px rgba(0,0,0,.06); transition:.2s }\r\n\r\n    \/* ===== Capa ===== *\/\r\n    #sec-download-apresentacao .fi-dl-cover{\r\n      position:relative; flex:0 0 340px; height:170px;\r\n      border-radius:25px; overflow:hidden; text-decoration:none; display:block; cursor:pointer;\r\n    }\r\n    #sec-download-apresentacao .fi-dl-thumb{\r\n      width:100%; height:100%; object-fit:cover; border-radius:25px;\r\n      transition:transform .3s ease;\r\n    }\r\n    #sec-download-apresentacao .fi-dl-cover:hover .fi-dl-thumb{ transform:scale(1.03); 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.fi-dl-card{\r\n        flex-direction:column; align-items:stretch; gap:12px; padding:14px;\r\n      }\r\n      #sec-download-apresentacao .fi-dl-cover{\r\n        width:100%; height:auto; border-radius:20px;\r\n      }\r\n      #sec-download-apresentacao .fi-dl-thumb{\r\n        border-radius:20px; height:auto; width:100%;\r\n      }\r\n      #sec-download-apresentacao .fi-dl-h{ font-size:1.2rem; margin-bottom:4px; }\r\n      #sec-download-apresentacao .fi-dl-p{ max-width:none; font-size:.98rem; }\r\n      #sec-download-apresentacao .fi-dl-btn{ align-self:flex-start; }\r\n    }\r\n  <\/style>\r\n\r\n  <script>\r\n    (function(){\r\n      const cover = document.getElementById('fi-dl-cover');\r\n      const btn   = document.getElementById('btn-download-apresentacao');\r\n      if(cover && btn){\r\n        cover.addEventListener('click', function(e){\r\n          e.preventDefault();\r\n          btn.click(); \/\/ dispara o mesmo evento do bot\u00e3o traqueado\r\n        });\r\n      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data-element_type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"comparar\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-994ba19 e-flex e-con-boxed e-con e-parent\" data-id=\"994ba19\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-91a76d7 elementor-widget elementor-widget-html\" data-id=\"91a76d7\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- =========================\r\nSe\u00e7\u00e3o: Comparativo entre modelos (heatmap azul claro, sem sombras)\r\n========================= -->\r\n<section id=\"sec-comparativo-fomento\" class=\"section\" style=\"max-width:1100px;margin:64px auto;\">\r\n  <header style=\"text-align:center;margin-bottom:20px;\">\r\n    <h2 style=\"color:var(--brand);margin:0 0 6px;\">Comparativo entre modelos de atua\u00e7\u00e3o<\/h2>\r\n    <p style=\"color:var(--muted);max-width:720px;margin:0 auto;\">\r\n      Entenda, de forma clara e honesta, as diferen\u00e7as entre <strong>franquia de fomento<\/strong> e outras modalidades.\r\n    <\/p>\r\n  <\/header>\r\n\r\n  <!-- container com rolagem horizontal (desktop e mobile) -->\r\n  <div class=\"cmp-scroll\" role=\"region\" aria-label=\"Tabela comparativa com rolagem horizontal\">\r\n    <div class=\"cmp-grid\" role=\"table\" aria-label=\"Comparativo entre modelos\">\r\n      <!-- Cabe\u00e7alhos -->\r\n      <div class=\"cmp-head\" role=\"row\">\r\n        <div class=\"cmp-coltitle\" role=\"columnheader\" aria-label=\"Crit\u00e9rio\">Crit\u00e9rio<\/div>\r\n        <div class=\"cmp-coltitle\" role=\"columnheader\">\r\n          <strong>Federal Invest<\/strong>\r\n          <small>Franquia de Fomento<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-coltitle\" role=\"columnheader\">\r\n          <strong>Ag\u00eancias de Fomento<\/strong>\r\n          <small>sem franquia<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-coltitle\" role=\"columnheader\">\r\n          <strong>Franquias em Geral<\/strong>\r\n          <small>outros segmentos<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-coltitle\" role=\"columnheader\">\r\n          <strong>Bancos<\/strong>\r\n          <small>grandes institui\u00e7\u00f5es<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-coltitle\" role=\"columnheader\">\r\n          <strong>Neg\u00f3cio Pr\u00f3prio<\/strong>\r\n          <small>independente<\/small>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <!-- Linha: Tecnologia e Digitaliza\u00e7\u00e3o -->\r\n      <div class=\"cmp-row\" role=\"row\">\r\n        <div class=\"cmp-cell crit\" role=\"rowheader\">\r\n          Tecnologia e<br>Digitaliza\u00e7\u00e3o\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-5\" role=\"cell\">\r\n          <div class=\"cmp-main\">App Luri\u00ae exclusivo<\/div>\r\n          <small>Gest\u00e3o e opera\u00e7\u00e3o 100% digital<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-2\" role=\"cell\">\r\n          <div class=\"cmp-main\">Sistemas internos limitados<\/div>\r\n          <small>varia por regi\u00e3o<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-2\" role=\"cell\">\r\n          <div class=\"cmp-main\">Dependem do franqueador<\/div>\r\n          <small>padr\u00f5es diferentes<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-4\" role=\"cell\">\r\n          <div class=\"cmp-main\">Alta<\/div>\r\n          <small>por\u00e9m pouco flex\u00edvel<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-3\" role=\"cell\">\r\n          <div class=\"cmp-main\">Ferramentas diversas<\/div>\r\n          <small>exige curadoria e integra\u00e7\u00f5es<\/small>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <!-- Linha: Tempo de mercado -->\r\n      <div class=\"cmp-row\" role=\"row\">\r\n        <div class=\"cmp-cell crit\" role=\"rowheader\">Tempo de mercado<\/div>\r\n        <div class=\"cmp-cell heat-5\" role=\"cell\">\r\n          <div class=\"cmp-main\">+30 anos de atua\u00e7\u00e3o<\/div>\r\n          <small>credibilidade consolidada<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-3\" role=\"cell\">\r\n          <div class=\"cmp-main\">Vari\u00e1vel<\/div>\r\n          <small>por regi\u00e3o<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-3\" role=\"cell\">\r\n          <div class=\"cmp-main\">Recente ou em expans\u00e3o<\/div>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-5\" role=\"cell\">\r\n          <div class=\"cmp-main\">D\u00e9cadas de opera\u00e7\u00e3o<\/div>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-1\" role=\"cell\">\r\n          <div class=\"cmp-main\">Depende do empreendedor<\/div>\r\n          <small>hist\u00f3rico a construir<\/small>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <!-- Linha: Suporte e treinamento -->\r\n      <div class=\"cmp-row\" role=\"row\">\r\n        <div class=\"cmp-cell crit\" role=\"rowheader\">Suporte e treinamento<\/div>\r\n        <div class=\"cmp-cell heat-5\" role=\"cell\">\r\n          <div class=\"cmp-main\">Acompanhamento t\u00e9cnico e jur\u00eddico<\/div>\r\n          <small>constante<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-2\" role=\"cell\">\r\n          <div class=\"cmp-main\">Suporte limitado<\/div>\r\n          <small>\u00e0 opera\u00e7\u00e3o<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-3\" role=\"cell\">\r\n          <div class=\"cmp-main\">Treinamento inicial<\/div>\r\n          <small>e remoto<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-2\" role=\"cell\">\r\n          <div class=\"cmp-main\">Foco em produto<\/div>\r\n          <small>menos relacionamento<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-1\" role=\"cell\">\r\n          <div class=\"cmp-main\">Autodidata<\/div>\r\n          <small>rede de apoio pr\u00f3pria<\/small>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <!-- Linha: Flexibilidade operacional -->\r\n      <div class=\"cmp-row\" role=\"row\">\r\n        <div class=\"cmp-cell crit\" role=\"rowheader\">Flexibilidade operacional<\/div>\r\n        <div class=\"cmp-cell heat-5\" role=\"cell\">\r\n          <div class=\"cmp-main\">Pode operar em coworking<\/div>\r\n          <small>sem equipe fixa<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-2\" role=\"cell\">\r\n          <div class=\"cmp-main\">Necessita estrutura f\u00edsica<\/div>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-3\" role=\"cell\">\r\n          <div class=\"cmp-main\">Depende do modelo<\/div>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-2\" role=\"cell\">\r\n          <div class=\"cmp-main\">Alta rigidez<\/div>\r\n          <small>e protocolos<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-4\" role=\"cell\">\r\n          <div class=\"cmp-main\">Alta flexibilidade<\/div>\r\n          <small>com autonomia total<\/small>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <!-- Linha: Rela\u00e7\u00e3o com clientes -->\r\n      <div class=\"cmp-row\" role=\"row\">\r\n        <div class=\"cmp-cell crit\" role=\"rowheader\">Rela\u00e7\u00e3o com clientes<\/div>\r\n        <div class=\"cmp-cell heat-5\" role=\"cell\">\r\n          <div class=\"cmp-main\">Atendimento humanizado<\/div>\r\n          <small>e regional<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-3\" role=\"cell\">\r\n          <div class=\"cmp-main\">Institucional<\/div>\r\n          <small>e distante<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-3\" role=\"cell\">\r\n          <div class=\"cmp-main\">Depende do franqueado<\/div>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-2\" role=\"cell\">\r\n          <div class=\"cmp-main\">Centralizado<\/div>\r\n          <small>e impessoal<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-4\" role=\"cell\">\r\n          <div class=\"cmp-main\">Pr\u00f3ximo do cliente<\/div>\r\n          <small>exige tempo do empreendedor<\/small>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <!-- Linha: Rentabilidade potencial -->\r\n      <div class=\"cmp-row\" role=\"row\">\r\n        <div class=\"cmp-cell crit\" role=\"rowheader\">Rentabilidade potencial<\/div>\r\n        <div class=\"cmp-cell heat-5\" role=\"cell\">\r\n          <div class=\"cmp-main\">Alta<\/div>\r\n          <small>margens diretas sobre opera\u00e7\u00f5es<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-3\" role=\"cell\">\r\n          <div class=\"cmp-main\">Moderada<\/div>\r\n          <small>depende de recursos p\u00fablicos<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-3\" role=\"cell\">\r\n          <div class=\"cmp-main\">Vari\u00e1vel<\/div>\r\n          <small>conforme setor<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-4\" role=\"cell\">\r\n          <div class=\"cmp-main\">Alta<\/div>\r\n          <small>com grandes exig\u00eancias<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-2\" role=\"cell\">\r\n          <div class=\"cmp-main\">Oscilante<\/div>\r\n          <small>risco e capital pr\u00f3prios<\/small>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <!-- Linha: Acesso \u00e0 informa\u00e7\u00e3o e rede -->\r\n      <div class=\"cmp-row\" role=\"row\">\r\n        <div class=\"cmp-cell crit\" role=\"rowheader\">Acesso \u00e0 informa\u00e7\u00e3o &amp; rede<\/div>\r\n        <div class=\"cmp-cell heat-5\" role=\"cell\">\r\n          <div class=\"cmp-main\">Comunidade de +100 unidades<\/div>\r\n          <small>boas pr\u00e1ticas compartilhadas<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-2\" role=\"cell\">\r\n          <div class=\"cmp-main\">Rede local<\/div>\r\n          <small>treinamentos pontuais<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-3\" role=\"cell\">\r\n          <div class=\"cmp-main\">Suporte do franqueador<\/div>\r\n          <small>eventos e treinamentos<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-4\" role=\"cell\">\r\n          <div class=\"cmp-main\">Relat\u00f3rios robustos<\/div>\r\n          <small>acesso restrito<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-2\" role=\"cell\">\r\n          <div class=\"cmp-main\">Networking pr\u00f3prio<\/div>\r\n          <small>constru\u00eddo do zero<\/small>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <!-- Linha: Estrutura inicial e custos -->\r\n      <div class=\"cmp-row\" role=\"row\">\r\n        <div class=\"cmp-cell crit\" role=\"rowheader\">Estrutura inicial &amp; custos<\/div>\r\n        <div class=\"cmp-cell heat-4\" role=\"cell\">\r\n          <div class=\"cmp-main\">Enxuta<\/div>\r\n          <small>coworking e equipe leve<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-3\" role=\"cell\">\r\n          <div class=\"cmp-main\">Moderada<\/div>\r\n          <small>estrutura m\u00ednima<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-3\" role=\"cell\">\r\n          <div class=\"cmp-main\">Varia<\/div>\r\n          <small>por segmento<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-2\" role=\"cell\">\r\n          <div class=\"cmp-main\">Alta<\/div>\r\n          <small>processos e compliance<\/small>\r\n        <\/div>\r\n        <div class=\"cmp-cell heat-2\" role=\"cell\">\r\n          <div class=\"cmp-main\">Baixa a moderada<\/div>\r\n          <small>escala depende de capital<\/small>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- legenda (discreta) -->\r\n  <div class=\"cmp-legend\" aria-hidden=\"true\">\r\n    <span class=\"chip chip-low\">Baixa<\/span>\r\n    <span class=\"chip chip-mid\">M\u00e9dia<\/span>\r\n    <span class=\"chip chip-high\">Alta<\/span>\r\n  <\/div>\r\n<\/section>\r\n\r\n<style>\r\n  \/* ===== Layout base ===== *\/\r\n  #sec-comparativo-fomento .cmp-scroll{\r\n    overflow-x:auto;\r\n    -webkit-overflow-scrolling:touch;\r\n    border:1px solid var(--line);\r\n    border-radius:14px;\r\n    background:var(--card);\r\n  }\r\n  #sec-comparativo-fomento .cmp-grid{\r\n    display:grid;\r\n    grid-template-columns: 220px repeat(5, 1fr); \/* crit\u00e9rio + 5 colunas *\/\r\n    min-width: 980px; \/* for\u00e7a rolagem se a \u00e1rea for menor *\/\r\n  }\r\n  #sec-comparativo-fomento .cmp-head{\r\n    display:contents; \/* para grid sem wrapper extra *\/\r\n  }\r\n  #sec-comparativo-fomento .cmp-row{\r\n    display:contents;\r\n  }\r\n\r\n  \/* ===== C\u00e9lulas ===== *\/\r\n  #sec-comparativo-fomento .cmp-coltitle,\r\n  #sec-comparativo-fomento .cmp-cell{\r\n    padding:14px 16px;\r\n    border-bottom:1px solid var(--line);\r\n    border-right:1px solid var(--line);\r\n  }\r\n  #sec-comparativo-fomento .cmp-coltitle:last-child,\r\n  #sec-comparativo-fomento .cmp-cell:last-child{\r\n    border-right:none;\r\n  }\r\n  #sec-comparativo-fomento .cmp-coltitle{\r\n    background:#F7FAFF;\r\n    font-weight:700;\r\n  }\r\n  #sec-comparativo-fomento .cmp-coltitle small{\r\n    display:block; font-weight:400; color:var(--muted);\r\n  }\r\n  #sec-comparativo-fomento .cmp-cell.crit{\r\n    position:sticky; left:0; z-index:1;\r\n    background:#fff; font-weight:600;\r\n  }\r\n  #sec-comparativo-fomento .cmp-main{ font-weight:600; }\r\n  #sec-comparativo-fomento .cmp-cell small{ color:var(--muted); }\r\n\r\n  \/* ===== Heatmap azul claro (sem sombras) ===== *\/\r\n  #sec-comparativo-fomento .cmp-cell.heat-1 { background:#F2F6FF; } \/* muito claro *\/\r\n  #sec-comparativo-fomento .cmp-cell.heat-2 { background:#E6F0FF; }\r\n  #sec-comparativo-fomento .cmp-cell.heat-3 { background:#D4E4FF; }\r\n  #sec-comparativo-fomento .cmp-cell.heat-4 { background:#B7D0FF; }\r\n  #sec-comparativo-fomento .cmp-cell.heat-5 {\r\n    background:#8FBAFF;   \/* azul forte por\u00e9m leg\u00edvel *\/\r\n    color:#0f172a;\r\n  }\r\n  #sec-comparativo-fomento .cmp-cell.heat-5 small{ color:#1f2a44; }\r\n\r\n  \/* ===== Legenda ===== *\/\r\n  #sec-comparativo-fomento .cmp-legend{\r\n    display:flex; gap:10px; justify-content:center; margin-top:12px;\r\n  }\r\n  #sec-comparativo-fomento .chip{\r\n    display:inline-block; padding:6px 12px; border-radius:999px;\r\n    border:1px solid var(--line); font-weight:500;\r\n  }\r\n  #sec-comparativo-fomento .chip-low  { background:#F2F6FF; }\r\n  #sec-comparativo-fomento .chip-mid  { background:#D4E4FF; }\r\n  #sec-comparativo-fomento .chip-high { background:#8FBAFF; color:#0f172a; }\r\n\r\n  \/* ===== Responsivo ===== *\/\r\n  @media (max-width: 760px){\r\n    #sec-comparativo-fomento .cmp-grid{\r\n      grid-template-columns: 180px repeat(5, 1fr);\r\n      min-width: 860px;\r\n    }\r\n    #sec-comparativo-fomento .cmp-coltitle{ font-size:0.98rem; }\r\n    #sec-comparativo-fomento .cmp-cell{ font-size:0.98rem; }\r\n  }\r\n<\/style>\r\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fe17401 e-flex e-con-boxed e-con e-parent\" data-id=\"fe17401\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ca71209 elementor-widget elementor-widget-spacer\" data-id=\"ca71209\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ca913f4 e-flex e-con-boxed e-con e-parent\" data-id=\"ca913f4\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-abf692e elementor-widget elementor-widget-html\" data-id=\"abf692e\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- =========================\r\nBot\u00e3o flutuante minimalista fixo (lado esquerdo, cinza transl\u00facido)\r\n========================= -->\r\n<script>\r\n(function(){\r\n  const TARGET_SELECTOR = '#form001';\r\n  const LABEL = 'Tenho interesse';\r\n  const ZINDEX = 2147483000;\r\n\r\n  \/\/ Remover vers\u00f5es anteriores\r\n  document.getElementById('cta-flutuante-fi')?.remove();\r\n  document.querySelector('style[data-fi-fab-left]')?.remove();\r\n\r\n  \/\/ ===== CSS =====\r\n  const css = `\r\n  .fi-fab{\r\n    position: fixed !important;\r\n    left: 20px !important;                 \/* FOR\u00c7A o canto esquerdo *\/\r\n    right: auto !important;                \/* Anula centraliza\u00e7\u00f5es *\/\r\n    bottom: 20px !important;               \/* Fixa acima do rodap\u00e9 *\/\r\n    top: auto !important;\r\n    display: inline-flex !important;\r\n    align-items: center !important;\r\n    justify-content: center !important;\r\n    padding: 5px 14px !important;          \/* Altura reduzida *\/\r\n    border-radius: 999px !important;\r\n    background: rgba(110,110,110,0.35) !important;  \/* Cinza transl\u00facido *\/\r\n    color: #fff !important;\r\n    font-weight: 300 !important;           \/* Fonte leve *\/\r\n    font-size: .95rem !important;\r\n    border: none !important;               \/* Sem borda *\/\r\n    cursor: pointer !important;\r\n    z-index: ${ZINDEX} !important;\r\n    transition: all .25s ease !important;\r\n    backdrop-filter: blur(6px) !important;\r\n    -webkit-tap-highlight-color: transparent !important;\r\n    text-align: center !important;\r\n  }\r\n  .fi-fab:hover{\r\n    background: rgba(110,110,110,0.55) !important;\r\n    transform: translateY(-1px) !important;\r\n  }\r\n  .fi-focus-flash{\r\n    outline: 2px solid rgba(110,110,110,0.7) !important;\r\n    outline-offset: 4px !important;\r\n    transition: outline-color .6s ease !important;\r\n  }\r\n  html{ scroll-behavior: smooth; }\r\n  @media (max-width: 480px){\r\n    .fi-fab{ left: 14px !important; bottom: 14px !important; padding: 4px 12px !important; font-size: .9rem !important; }\r\n  }`;\r\n\r\n  const style = document.createElement('style');\r\n  style.setAttribute('data-fi-fab-left','');\r\n  style.textContent = css;\r\n\r\n  \/\/ ===== Bot\u00e3o =====\r\n  const btn = document.createElement('button');\r\n  btn.id = 'cta-flutuante-fi';\r\n  btn.className = 'fi-fab';\r\n  btn.type = 'button';\r\n  btn.textContent = LABEL;\r\n  btn.setAttribute('aria-label','Abrir simulador de perfil de franqueado');\r\n  btn.setAttribute('title','Abrir simulador de perfil');\r\n\r\n  \/\/ ===== Scroll at\u00e9 a \u00e2ncora =====\r\n  function getTarget(){ return document.querySelector(TARGET_SELECTOR); }\r\n  function scrollToTarget(target){\r\n    if(!target) return;\r\n    try{ target.scrollIntoView({behavior:'smooth', block:'start'}); }\r\n    catch(e){ window.scrollTo({top: target.offsetTop - 10, behavior:'smooth'}); }\r\n    target.classList.add('fi-focus-flash');\r\n    setTimeout(()=> target.classList.remove('fi-focus-flash'), 1800);\r\n  }\r\n\r\n  \/\/ ===== Montagem =====\r\n  function mount(){\r\n    document.head.appendChild(style);\r\n    document.body.appendChild(btn);\r\n  }\r\n\r\n  btn.addEventListener('click',()=> scrollToTarget(getTarget()));\r\n\r\n  \/\/ Oculta o bot\u00e3o quando o form estiver vis\u00edvel\r\n  function observe(){\r\n    const target = getTarget();\r\n    if(!target || !('IntersectionObserver' in window)) return;\r\n    const io = new IntersectionObserver(entries=>{\r\n      entries.forEach(entry=>{\r\n        btn.style.opacity = entry.isIntersecting ? 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'none' : 'auto';\r\n      });\r\n    }, {threshold:0.25});\r\n    io.observe(target);\r\n  }\r\n\r\n  if(document.readyState==='loading'){\r\n    document.addEventListener('DOMContentLoaded',()=>{ mount(); observe(); });\r\n  } else {\r\n    mount(); observe();\r\n  }\r\n})();\r\n<\/script>\r\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4ee1d01 e-flex e-con-boxed e-con e-parent\" data-id=\"4ee1d01\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d108cd4 elementor-widget elementor-widget-html\" data-id=\"d108cd4\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- =========================\r\nRodap\u00e9 \u2013 Federal Invest (fundo azul + Instagram e LinkedIn + \u00e2ncoras + OOGI Leads)\r\n========================= -->\r\n<footer id=\"fi-footer\" role=\"contentinfo\" aria-label=\"Rodap\u00e9 do site\">\r\n  <div class=\"fi-ft-wrap\">\r\n    <!-- Coluna principal -->\r\n    <div class=\"fi-ft-brand\">\r\n      <h3>Federal Invest<\/h3>\r\n      <p>Rede de franquia de fomento mercantil \u2014 tradi\u00e7\u00e3o, governan\u00e7a e resultado.<\/p>\r\n      <a class=\"fi-miniature\" href=\"https:\/\/federalinvest.com.br\/\" target=\"_blank\" rel=\"noopener\">\r\n        <img decoding=\"async\" src=\"https:\/\/franquiadefomento.com.br\/wp-content\/uploads\/2025\/11\/channels4_profile.jpg\" alt=\"Federal Invest Logo\" \/>\r\n      <\/a>\r\n    <\/div>\r\n\r\n    <!-- Colunas -->\r\n    <div class=\"fi-ft-columns\">\r\n      <!-- Redes sociais -->\r\n      <div class=\"fi-ft-col\">\r\n        <h4>Redes sociais<\/h4>\r\n        <a class=\"fi-social\" href=\"https:\/\/www.instagram.com\/federalinvestoficial\/\" target=\"_blank\" rel=\"noopener\">@federalinvestoficial<\/a>\r\n        <a class=\"fi-social\" href=\"https:\/\/br.linkedin.com\/company\/federalinvestoficial\" target=\"_blank\" rel=\"noopener\">LinkedIn: Federal Invest Oficial<\/a>\r\n      <\/div>\r\n\r\n      <!-- Links \u00fateis -->\r\n      <div class=\"fi-ft-col\">\r\n        <h4>Links \u00fateis<\/h4>\r\n        <a href=\"https:\/\/www.luri.com.vc\/\" target=\"_blank\">Luri<\/a>\r\n        <a href=\"https:\/\/www.franquiasdefactoring.com.br\/\" target=\"_blank\">Franquias de Factoring<\/a>\r\n        <a href=\"https:\/\/fomentoexperience.com\/\" target=\"_blank\">Fomento Experience<\/a>\r\n      <\/div>\r\n\r\n      <!-- Atalhos -->\r\n      <div class=\"fi-ft-col\">\r\n        <h4>Atalhos<\/h4>\r\n        <a href=\"#franquiadefomento\">Franquia de fomento<\/a>\r\n        <a href=\"#form001\">Seja um franqueado<\/a>\r\n        <a href=\"#modelo\">Modelo de neg\u00f3cio<\/a>\r\n        <a href=\"#comparar\">Comparar alternativas<\/a>\r\n        <a href=\"#apresentacao\">Apresenta\u00e7\u00e3o<\/a>\r\n      <\/div>\r\n\r\n      <!-- Endere\u00e7o -->\r\n      <div class=\"fi-ft-col\">\r\n        <h4>Endere\u00e7o<\/h4>\r\n        <address>\r\n          R. 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