<div id="pf1" class="pf w0 h0" data-page-no="1"><div class="pc pc1 w0 h0"><img class="bi x0 y0 w0 h0" alt="" src="https://files.passeidireto.com/8e3928f5-184e-4a5c-911f-caaf7f8d0349/bg1.png"><div class="t m0 x1 h1 y1 ff1 fs0 fc0 sc0 ls1 ws0">1 </div><div class="t m0 x2 h2 y2 ff2 fs1 fc1 sc0 ls1 ws0">Tópico 3 </div><div class="t m0 x2 h3 y3 ff2 fs2 fc1 sc0 ls1 ws0">Escolha sob incerteza <span class="_0 blank"> </span> </div><div class="t m0 x2 h3 y4 ff2 fs2 fc1 sc0 ls1 ws0">Varian, cap. 12<span class="_1 blank"></span> </div><div class="t m0 x2 h4 y5 ff2 fs3 fc0 sc0 ls1 ws0">Microeco<span class="_1 blank"></span>nomia <span class="_1 blank"></span>III<span class="_1 blank"></span> </div><div class="t m0 x2 h4 y6 ff2 fs3 fc0 sc0 ls1 ws0">Departamen<span class="_1 blank"></span>to de<span class="_1 blank"></span> Economia <span class="_0 blank"> </span><span class="ff3 ls0">\u2013</span> UFF </div></div><div class="pi" data-data='{"ctm":[1.000000,0.000000,0.000000,1.000000,0.000000,0.000000]}'></div></div> <div id="pf2" class="pf w0 h0" data-page-no="2"><div class="pc pc2 w0 h0"><img class="bi x0 y0 w0 h0" alt="" src="https://files.passeidireto.com/8e3928f5-184e-4a5c-911f-caaf7f8d0349/bg2.png"><div class="t m0 x1 h1 y1 ff1 fs0 fc0 sc0 ls1 ws0">2 </div><div class="t m0 x3 h5 y7 ff2 fs4 fc0 sc0 ls1 ws0">Organização do capítulo </div><div class="t m0 x4 h6 y8 ff2 fs5 fc2 sc0 ls4 ws1">1. <span class="fs6 fc0 ls1 ws0">Introdução </span></div><div class="t m0 x4 h6 y9 ff2 fs5 fc2 sc0 ls4 ws1">2. <span class="fs6 fc0 ls1 ws0">Restrição orçament<span class="_2 blank"></span>ária contingente </span></div><div class="t m0 x4 h6 ya ff2 fs5 fc2 sc0 ls4 ws1">3. <span class="fs6 fc0 ls1 ws0">Preferências <span class="_2 blank"></span>sob incerteza </span></div><div class="t m0 x5 h7 yb ff3 fs7 fc3 sc0 ls2">\u2022<span class="ff2 fs8 fc0 ls1 ws0">Aversão ao ri<span class="_2 blank"></span>sco<span class="_1 blank"> </span> </span></div><div class="t m0 x5 h8 yc ff3 fs9 fc3 sc0 ls3">\u2022<span class="ff2 fsa fc0 ls1 ws0">Propensão <span class="_2 blank"></span>ao risco<span class="_1 blank"></span> </span></div><div class="t m0 x5 h7 yd ff3 fs7 fc3 sc0 ls2">\u2022<span class="ff2 fs8 fc0 ls1 ws0">Neutralidade ao risco </span></div><div class="t m0 x4 h6 ye ff2 fs5 fc2 sc0 ls4 ws1">4. <span class="fs6 fc0 ls1 ws0">Escolha <span class="_2 blank"></span>sob incerteza </span></div><div class="t m0 x4 h9 yf ff2 fs5 fc2 sc0 ls4 ws1">5. <span class="fsb fc0 ls1 ws0">Seguro </span></div><div class="t m0 x4 h6 y10 ff2 fs5 fc2 sc0 ls4 ws1">6. <span class="fs6 fc0 ls1 ws0">Diversificação etc. </span></div></div><div class="pi" data-data='{"ctm":[1.000000,0.000000,0.000000,1.000000,0.000000,0.000000]}'></div></div> <div id="pf3" class="pf w0 h0" data-page-no="3"><div class="pc pc3 w0 h0"><img fetchpriority="low" loading="lazy" class="bi x0 y0 w0 h0" alt="" src="https://files.passeidireto.com/8e3928f5-184e-4a5c-911f-caaf7f8d0349/bg3.png"><div class="t m0 x1 h1 y1 ff1 fs0 fc0 sc0 ls1 ws0">3 </div><div class="t m0 x3 h5 y7 ff2 fs4 fc0 sc0 ls1 ws0">Incerteza: o que é? </div><div class="t m0 x3 ha y11 ff4 fsc fc2 sc0 ls5">\uf06e<span class="ff2 fsd fc0 ls1 ws0">O <span class="_2 blank"></span>que é in<span class="_2 blank"></span>certo <span class="_2 blank"></span>na econo<span class="_2 blank"></span>mia? </span></div><div class="t m0 x3 hb y12 ff4 fse fc2 sc0 ls6">\uf06e<span class="ff2 fsf fc0 ls1 ws0">Os pre<span class="_2 blank"></span>ços futuro<span class="_2 blank"></span>s </span></div><div class="t m0 x3 hb y13 ff4 fse fc2 sc0 ls6">\uf06e<span class="ff2 fsf fc0 ls1 ws0">A riqu<span class="_2 blank"></span>eza e a<span class="_2 blank"></span> renda <span class="_2 blank"></span>futuras </span></div><div class="t m0 x6 h4 y14 ff4 fs10 fc3 sc0 ls7">\uf0a8<span class="ff2 fs3 fc0 ls1 ws0">Desemprego<span class="_1 blank"></span>, ac<span class="_1 blank"></span>idente etc<span class="_1 blank"></span>.<span class="_1 blank"> </span> </span></div><div class="t m0 x3 hb y15 ff4 fse fc2 sc0 ls6">\uf06e<span class="ff2 fsf fc0 ls1 ws0">A dispo<span class="_2 blank"></span>nibilida<span class="_2 blank"></span>de futura <span class="_2 blank"></span>de <span class="_2 blank"></span>bens </span></div><div class="t m0 x3 hb y16 ff4 fse fc2 sc0 ls6">\uf06e<span class="ff2 fsf fc0 ls1 ws0">O comp<span class="_2 blank"></span>ortamento<span class="_2 blank"></span> <span class="_2 blank"></span>das outra<span class="_2 blank"></span>s pessoas </span></div><div class="t m0 x7 ha y17 ff2 fsd fc0 sc0 ls1 ws0">(present<span class="_2 blank"></span>e <span class="_2 blank"></span>e futu<span class="_2 blank"></span>ro) </div></div><div class="pi" data-data='{"ctm":[1.000000,0.000000,0.000000,1.000000,0.000000,0.000000]}'></div></div> <div id="pf4" class="pf w0 h0" data-page-no="4"><div class="pc pc4 w0 h0"><img fetchpriority="low" loading="lazy" class="bi x0 y0 w0 h0" alt="" src="https://files.passeidireto.com/8e3928f5-184e-4a5c-911f-caaf7f8d0349/bg4.png"><div class="t m0 x1 h1 y1 ff1 fs0 fc0 sc0 ls1 ws0">4 </div><div class="t m0 x3 h5 y7 ff2 fs4 fc0 sc0 ls1 ws0">Incerteza: exemplos </div><div class="t m0 x4 h4 y18 ff2 fs3 fc0 sc0 ls1 ws0">Mais concr<span class="_1 blank"></span>etamente.<span class="_1 blank"></span>..:<span class="_1 blank"></span> </div><div class="t m0 x4 hc y19 ff4 fs11 fc2 sc0 ls8">\uf06e<span class="ff2 fs12 fc0 ls1 ws0">Em 2007 e 2008<span class="_1 blank"></span>, grande <span class="_1 blank"></span>aumento <span class="_1 blank"></span>de preço<span class="_1 blank"></span>s </span></div><div class="t m0 x8 h4 y1a ff2 fs3 fc0 sc0 ls1 ws0">de alimento<span class="_1 blank"></span>s e de pe<span class="_1 blank"></span>tróleo<span class="_0 blank"> </span> </div><div class="t m0 x4 h4 y1b ff4 fs13 fc2 sc0 ls9">\uf06e<span class="ff2 fs3 fc0 ls1 ws0">Catástrofes<span class="_1 blank"></span> naturais: Tsuna<span class="_1 blank"></span>mi, in<span class="_1 blank"></span>undaçõ<span class="_1 blank"></span>es </span></div><div class="t m0 x8 h4 y1c ff2 fs3 fc0 sc0 ls1 ws0">em SC, secas no <span class="_1 blank"></span>NE, chuvas<span class="_1 blank"></span> no SE...<span class="_1 blank"></span> </div><div class="t m0 x4 h4 y1d ff4 fs13 fc2 sc0 ls9">\uf06e<span class="ff2 fs3 fc0 ls1 ws0">Destruição<span class="_1 blank"></span> de um cu<span class="_1 blank"></span>ltivo por p<span class="_1 blank"></span>raga<span class="_0 blank"> </span> </span></div><div class="t m0 x4 h4 y1e ff4 fs13 fc2 sc0 ls9">\uf06e<span class="ff2 fs3 fc0 ls1 ws0">Doença in<span class="_1 blank"></span>espera<span class="_1 blank"></span>da, acide<span class="_1 blank"></span>nte de<span class="_1 blank"></span> trânsi<span class="_1 blank"></span>to<span class="_0 blank"> </span> </span></div><div class="t m0 x4 h4 y1f ff4 fs13 fc2 sc0 ls9">\uf06e<span class="ff2 fs3 fc0 ls1 ws0">Crise econô<span class="_1 blank"></span>mica <span class="_1 blank"></span>mundial <span class="_1 blank"> </span>(2<span class="_1 blank"></span>008 / atual<span class="_1 blank"></span>) <span class="_0 blank"> </span><span class="ff4 ws2">\uf0e0</span> </span></div><div class="t m0 x8 hc y20 ff2 fs12 fc0 sc0 ls1 ws0">desemprego<span class="_1 blank"></span>, queda <span class="_1 blank"></span>de arrec<span class="_1 blank"></span>adação, qued<span class="_1 blank"></span>a </div><div class="t m0 x8 h4 y21 ff3 fs3 fc0 sc0 ls1 ws0">na demanda<span class="_1 blank"></span>\u2026<span class="ff2"> </span></div></div><div class="pi" data-data='{"ctm":[1.000000,0.000000,0.000000,1.000000,0.000000,0.000000]}'></div></div> <div id="pf5" class="pf w0 h0" data-page-no="5"><div class="pc pc5 w0 h0"><img fetchpriority="low" loading="lazy" class="bi x0 y0 w0 h0" alt="" src="https://files.passeidireto.com/8e3928f5-184e-4a5c-911f-caaf7f8d0349/bg5.png"><div class="t m0 x1 h1 y1 ff1 fs0 fc0 sc0 ls1 ws0">5 </div><div class="t m0 x3 h5 y7 ff2 fs4 fc0 sc0 ls1 ws0">Incerteza: probabilidades </div><div class="t m0 x4 h4 y22 ff4 fs13 fc2 sc0 ls9">\uf06e<span class="ff2 fs3 fc0 ls1 ws0">Logo, nem <span class="_1 blank"></span>todos<span class="_1 blank"></span> os eventos<span class="_1 blank"></span> (econômic<span class="_1 blank"></span>os) </span></div><div class="t m0 x8 hc y23 ff2 fs12 fc0 sc0 lsa ws0">observados são certos<span class="ls1"> </span></div><div class="t m0 x5 hd y24 ff4 fs14 fc3 sc0 lsb">\uf0a8<span class="ff2 fs15 fc0 ls1 ws0">Muitos são aleató<span class="_1 blank"></span>rios<span class="_1 blank"> </span> </span></div><div class="t m0 x5 hd y25 ff4 fs14 fc3 sc0 lsb">\uf0a8<span class="ff3 fs15 fc0 ls1 ws0">É difícil prever tud<span class="_1 blank"> </span>o com exatid<span class="_1 blank"> </span>ão \u201cmilimétric<span class="_1 blank"> </span>a\u201d<span class="_1 blank"> </span><span class="ff2"> </span></span></div><div class="t m0 x5 hd y26 ff4 fs14 fc3 sc0 lsb">\uf0a8<span class="ff2 fs15 fc0 ls1 ws0">É mais comum <span class="_1 blank"> </span>trabalhar <span class="_1 blank"> </span>com fai<span class="_1 blank"></span>xas para variávei<span class="_1 blank"></span>s </span></div><div class="t m0 x9 hd y27 ff2 fs15 fc0 sc0 ls1 ws0">econômicas<span class="_1 blank"> </span> </div><div class="t m0 x4 h4 y28 ff4 fs13 fc2 sc0 ls9">\uf06e<span class="ff2 fs3 fc0 ls1 ws0">Assim, com fre<span class="_1 blank"></span>quênci<span class="_1 blank"></span>a, traba<span class="_1 blank"></span>lhamos <span class="_1 blank"></span>com </span></div><div class="t m0 x8 h4 y29 ff2 fs3 fc0 sc0 ls1 ws0">distribui<span class="_1 blank"></span>ções de pr<span class="_1 blank"></span>obabili<span class="_1 blank"></span>dade<span class="_0 blank"> </span> </div><div class="t m0 x5 hd y2a ff4 fs14 fc3 sc0 lsb">\uf0a8<span class="ff2 fs15 fc0 ls1 ws0">Probabilidade de que<span class="_1 blank"></span> consumidor <span class="_1 blank"> </span>com det<span class="_1 blank"></span>erminadas </span></div><div class="t m0 x9 hd y2b ff2 fs15 fc0 sc0 ls1 ws0">característic<span class="_1 blank"> </span>as torne-se<span class="_1 blank"></span> inadi<span class="_1 blank"></span>mplente é d<span class="_1 blank"></span>e 10%<span class="_1 blank"> </span> </div></div><div class="pi" data-data='{"ctm":[1.000000,0.000000,0.000000,1.000000,0.000000,0.000000]}'></div></div> <div id="pf6" class="pf w0 h0" data-page-no="6"><div class="pc pc6 w0 h0"><img fetchpriority="low" loading="lazy" class="bi x0 y0 w0 h0" alt="" src="https://files.passeidireto.com/8e3928f5-184e-4a5c-911f-caaf7f8d0349/bg6.png"><div class="t m0 x1 h1 y1 ff1 fs0 fc0 sc0 ls1 ws0">6 </div><div class="t m0 x3 h5 y7 ff2 fs4 fc0 sc0 ls1 ws0">Incerteza ou risco? </div><div class="t m0 x3 h4 y2c ff4 fs13 fc2 sc0 lsc">\uf06e<span class="ff2 fs3 fc0 ls1 ws0">É usual distin<span class="_1 blank"></span>guir ris<span class="_1 blank"></span>co de ince<span class="_1 blank"></span>rteza:<span class="_0 blank"> </span> </span></div><div class="t m0 x6 he y2d ff4 fs16 fc3 sc0 lsd">\uf0a8<span class="ff5 fse fc2 ls1 ws3">Incerteza<span class="ff2 fc0 ws0">: resultados desconheci<span class="_2 blank"></span>dos, <span class="_1 blank"> </span>probabilidades </span></span></div><div class="t m0 xa hf y2e ff2 fse fc0 sc0 ls1 ws0">desconhecidas </div><div class="t m0 xb h10 y2f ff4 fs17 fc2 sc0 lse">\uf06e<span class="ff2 fs13 fc0 ls1 ws0">Seguro <span class="_2 blank"></span>(atuarial): impossível <span class="_2 blank"></span>/ improvável </span></div><div class="t m0 x6 he y30 ff4 fs16 fc3 sc0 lsd">\uf0a8<span class="ff5 fse fc2 ls1 ws3">Risco<span class="ff2 fc0 ws0">: resultados desconheci<span class="_2 blank"></span>dos, <span class="_1 blank"> </span>probabilidades </span></span></div><div class="t m0 xa h11 y31 ff2 fsc fc0 sc0 ls1 ws0">conhecid<span class="_2 blank"></span>as </div><div class="t m0 xb h10 y32 ff4 fs17 fc2 sc0 lse">\uf06e<span class="ff2 fs13 fc0 ls1 ws0">Seguro <span class="_2 blank"></span>(atuarial): possível, sob certas <span class="_2 blank"></span>condições </span></div><div class="t m0 x6 hf y33 ff4 fs16 fc3 sc0 lsd">\uf0a8<span class="ff2 fse fc0 ls1 ws0">Neste capítulo, não se faz tal <span class="_2 blank"></span>distinção: </span></div><div class="t m0 xb h10 y34 ff4 fs17 fc2 sc0 lse">\uf06e<span class="ff2 fs13 fc0 ls1 ws0">Supõe-se <span class="_2 blank"></span>que prob<span class="_2 blank"></span>abilidades são <span class="_2 blank"></span>conhecidas <span class="_2 blank"></span>(eventos </span></div><div class="t m0 xc h12 y35 ff2 fs11 fc0 sc0 ls1 ws0">aleatórios) </div><div class="t m0 xb h10 y36 ff4 fs17 fc2 sc0 lse">\uf06e<span class="ff2 fs13 fc0 ls1 ws0">Incerteza e risco <span class="_2 blank"></span>como sinônimos </span></div></div><div class="pi" data-data='{"ctm":[1.000000,0.000000,0.000000,1.000000,0.000000,0.000000]}'></div></div> <div id="pf7" class="pf w0 h0" data-page-no="7"><div class="pc pc7 w0 h0"><img fetchpriority="low" loading="lazy" class="bi x0 y0 w0 h0" alt="" src="https://files.passeidireto.com/8e3928f5-184e-4a5c-911f-caaf7f8d0349/bg7.png"><div class="t m0 x1 h1 y1 ff1 fs0 fc0 sc0 ls1 ws0">7 </div><div class="t m0 x3 h5 y7 ff2 fs4 fc0 sc0 ls1 ws0">Incerteza/risco: o que fazer? </div><div class="t m0 x3 h6 y37 ff4 fs5 fc2 sc0 lsf">\uf06e<span class="ff2 fs6 fc0 ls1 ws0">Reações <span class="_2 blank"></span>de indivíduo <span class="_2 blank"></span>racional: </span></div><div class="t m0 x6 h7 y38 ff2 fs7 fc3 sc0 ls10 ws4">1. <span class="fs8 fc0 ls1 ws0">Poupar: poupança precaucionária<span class="_1 blank"> </span> </span></div><div class="t m0 x6 h7 y39 ff2 fs7 fc3 sc0 ls10 ws4">2. <span class="fs8 fc0 ls1 ws0">Contratar seguros: <span class="_2 blank"></span>de saúde<span class="_1 blank"></span>, de vida, de </span></div><div class="t m0 xd h7 y3a ff3 fs8 fc0 sc0 ls1 ws0">automóvel, contra incêndio, \u2026<span class="ff2"> </span></div><div class="t m0 x6 h8 y3b ff2 fs7 fc3 sc0 ls10 ws4">3. <span class="fsa fc0 ls1 ws0">Diversificar <span class="_2 blank"></span>investimentos </span></div><div class="t m0 x6 h7 y3c ff2 fs7 fc3 sc0 ls10 ws4">4. <span class="fs8 fc0 ls1 ws0">Organizar-se em <span class="_2 blank"></span>cooperativa<span class="_1 blank"></span>s, criando <span class="_2 blank"></span>fundos </span></div><div class="t m0 xd h7 y3d ff2 fs8 fc0 sc0 ls1 ws0">para emergências<span class="_1 blank"></span> </div><div class="t m0 x3 h6 y3e ff4 fs5 fc2 sc0 lsf">\uf06e<span class="ff2 fs6 fc0 ls1 ws0">Estado: organizar <span class="_2 blank"></span>rede de <span class="_2 blank"></span>proteção social </span></div></div><div class="pi" data-data='{"ctm":[1.000000,0.000000,0.000000,1.000000,0.000000,0.000000]}'></div></div> <div id="pf8" class="pf w0 h0" data-page-no="8"><div class="pc pc8 w0 h0"><img fetchpriority="low" loading="lazy" class="bi x0 y0 w0 h0" alt="" src="https://files.passeidireto.com/8e3928f5-184e-4a5c-911f-caaf7f8d0349/bg8.png"><div class="t m0 x1 h1 y1 ff1 fs0 fc0 sc0 ls1 ws0">8 </div><div class="t m0 x3 h5 y7 ff2 fs4 fc0 sc0 ls1 ws0">Incerteza/risco: assegurar-se? </div><div class="t m0 x3 ha y11 ff4 fsc fc2 sc0 ls5">\uf06e<span class="ff2 fsd fc0 ls1 ws0">Por <span class="_2 blank"></span>que <span class="_2 blank"></span>agente<span class="_2 blank"></span> racional<span class="_2 blank"></span> escolh<span class="_2 blank"></span>e </span></div><div class="t m0 x7 hb y3f ff2 fsf fc0 sc0 ls1 ws5">assegurar-<span class="ls11 ws6">se?</span><span class="ws0"> </span></div><div class="t m0 x3 hb y40 ff4 fse fc2 sc0 ls6">\uf06e<span class="ff2 fsf fc0 ls1 ws0">Incerteza <span class="_2 blank"></span>po<span class="_2 blank"></span>de lhe<span class="_2 blank"></span> causar <span class="_2 blank"></span>desutili<span class="_2 blank"></span>dade </span></div><div class="t m0 x6 h4 y41 ff4 fs10 fc3 sc0 ls7">\uf0a8<span class="ff2 fs3 fc0 ls1 ws0">Maior ou me<span class="_1 blank"></span>nor <span class="_1 blank"></span>de indi<span class="_1 blank"></span>víduo p<span class="_1 blank"></span>ara <span class="_1 blank"></span>indivídu<span class="_1 blank"></span>o<span class="_0 blank"> </span> </span></div><div class="t m0 x6 h4 y42 ff4 fs10 fc3 sc0 ls7">\uf0a8<span class="ff2 fs3 fc0 ls1 ws0">Logo, certe<span class="_1 blank"></span>za<span class="_1 blank"></span> é um bem pe<span class="_1 blank"></span>lo qu<span class="_1 blank"></span>al a pe<span class="_1 blank"></span>ssoa </span></div><div class="t m0 xa h4 y43 ff2 fs3 fc0 sc0 ls1 ws0">está disposta <span class="_1 blank"></span>a pagar! <span class="_0 blank"> </span> </div></div><div class="pi" data-data='{"ctm":[1.000000,0.000000,0.000000,1.000000,0.000000,0.000000]}'></div></div> <div id="pf9" class="pf w0 h0" data-page-no="9"><div class="pc pc9 w0 h0"><img fetchpriority="low" loading="lazy" class="bi x0 y0 w0 h0" alt="" src="https://files.passeidireto.com/8e3928f5-184e-4a5c-911f-caaf7f8d0349/bg9.png"><div class="t m0 x1 h1 y1 ff1 fs0 fc0 sc0 ls1 ws0">9 </div><div class="t m0 x3 h5 y7 ff2 fs4 fc0 sc0 ls1 ws0">Incerteza: objetivos do capítulo </div><div class="t m0 x4 h7 y44 ff4 fs18 fc2 sc0 ls12">\uf06e<span class="ff2 fs8 fc0 ls1 ws0">Estudar o comportamento individual com <span class="_2 blank"></span>relação </span></div><div class="t m0 x8 h8 y45 ff2 fsa fc0 sc0 ls1 ws0">às escolhas <span class="_2 blank"></span>que envolvem incerteza </div><div class="t m0 x5 h13 y46 ff4 fs19 fc3 sc0 ls13">\uf0a8<span class="ff2 fs1a fc0 ls1 ws0">Como o <span class="_2 blank"></span>consumidor <span class="_2 blank"></span>faz escolhas <span class="_2 blank"></span>sob <span class="_2 blank"></span>incerteza?<span class="_0 blank"> </span> </span></div><div class="t m0 x5 h13 y47 ff4 fs19 fc3 sc0 ls13">\uf0a8<span class="ff2 fs1a fc0 ls1 ws0">Entre <span class="_2 blank"></span>que bens <span class="_2 blank"></span>ele faz <span class="_2 blank"></span>suas escolhas?<span class="_1 blank"></span> </span></div><div class="t m0 x4 h7 y48 ff4 fs18 fc2 sc0 ls12">\uf06e<span class="ff2 fs8 fc0 ls1 ws0">Aprofundar estudo do comportamento do </span></div><div class="t m0 x8 h8 y49 ff2 fsa fc0 sc0 ls1 ws0">consumidor </div><div class="t m0 x4 h7 y4a ff4 fs18 fc2 sc0 ls12">\uf06e<span class="ff2 fs8 fc0 ls1 ws0">Preparar terreno para tópico sobre informação<span class="_1 blank"></span> </span></div><div class="t m0 x4 h14 y4b ff4 fs18 fc2 sc0 ls12">\uf06e<span class="ff3 fs8 fc0 ls1 ws0">\u201cAtitude frente ao risco\u201d é tema essencial <span class="_2 blank"></span>em </span></div><div class="t m0 x8 h7 y4c ff2 fs8 fc0 sc0 ls1 ws0">situações econômicas <span class="_2 blank"></span>que envo<span class="_1 blank"></span>lvam <span class="_2 blank"></span>contratos:<span class="_1 blank"> </span> </div><div class="t m0 x5 h13 y4d ff4 fs19 fc3 sc0 ls13">\uf0a8<span class="ff2 fs1a fc0 ls1 ws0">Mercado <span class="_2 blank"></span>financeiro, <span class="_2 blank"></span>mas também:<span class="_2 blank"></span> <span class="_2 blank"></span>economia agrícola, <span class="_2 blank"></span>da </span></div><div class="t m0 x9 h13 y4e ff2 fs1a fc0 sc0 ls1 ws0">energia, <span class="_2 blank"></span>do meio <span class="_2 blank"></span>ambiente, do <span class="_2 blank"></span>trabalho, <span class="_2 blank"></span>da proteção <span class="_2 blank"></span>social, </div><div class="t m0 x9 h13 y4f ff2 fs1a fc0 sc0 ls1 ws0">do <span class="_2 blank"></span>desenvolvimento <span class="_2 blank"></span>etc. </div></div><div class="pi" data-data='{"ctm":[1.000000,0.000000,0.000000,1.000000,0.000000,0.000000]}'></div></div> <div id="pfa" class="pf w0 h0" data-page-no="a"><div class="pc pca w0 h0"><img fetchpriority="low" loading="lazy" class="bi x0 y0 w0 h0" alt="" src="https://files.passeidireto.com/8e3928f5-184e-4a5c-911f-caaf7f8d0349/bga.png"><div class="t m0 xe h1 y1 ff1 fs0 fc0 sc0 ls14">10<span class="ls1 ws0"> </span></div><div class="t m0 x3 hc y50 ff4 fs13 fc2 sc0 lsc">\uf06e<span class="ff2 fs12 fc0 ls1 ws0">Sem seguro, tería<span class="_1 blank"></span>mos:<span class="_1 blank"></span> </span></div><div class="t m0 x3 h4 y51 ff4 fs13 fc2 sc0 lsc">\uf06e<span class="ff2 fs3 fc0 ls1 ws7">C<span class="fs1b ls15 v1">a</span><span class="ws0"> = m <span class="ff3 ls0">\u2013</span> L </span></span></div><div class="t m0 x3 h4 y52 ff4 fs13 fc2 sc0 lsc">\uf06e<span class="ff2 fs3 fc0 ls1 ws7">C<span class="fs1b ls18 ws8 v1">na</span><span class="ws0"> = m </span></span></div><div class="t m0 x6 hf y53 ff4 fs16 fc3 sc0 lsd">\uf0a8<span class="ff2 fse fc0 ls1 ws0">Com: m = <span class="_2 blank"></span>renda, C<span class="fs19 ls16 v2">a</span><span class="ls17"> </span><span class="ff3">= consumo \u201ccom acidente\u201d, C</span><span class="fs19 ls16 v2">na</span><span class="ls17"> <span class="ls19">= </span></span></span></div><div class="t m0 xa h11 y54 ff3 fsc fc0 sc0 ls1 ws0">consumo \u201csem aci<span class="_2 blank"></span>dente\u201d, L = valor da perda<span class="ff2"> </span></div><div class="t m0 x3 h4 y55 ff4 fs13 fc2 sc0 lsc">\uf06e<span class="ff2 fs3 fc0 ls1 ws0">A seguir, ponto (m,<span class="_1 blank"></span> m<span class="_1 blank"></span>-<span class="ff3">L) é <span class="_1 blank"> </span>a \u201cdo<span class="_1 blank"></span>tação\u201d<span class="_1 blank"> </span></span> </span></div><div class="t m0 x6 hf y56 ff4 fs16 fc3 sc0 lsd">\uf0a8<span class="ff2 fse fc0 ls1 ws0">Descreve situação em que consumidor (ainda) <span class="_1 blank"> </span>não </span></div><div class="t m0 xa hf y57 ff2 fse fc0 sc0 ls1 ws0">se assegurou! </div><div class="t m0 x3 h15 y58 ff2 fs1c fc0 sc0 ls1 ws0">Restrição <span class="_2 blank"></span>orçamentária </div><div class="t m0 x3 h5 y59 ff3 fs4 fc0 sc0 ls1 ws9">\u201ccontingente\u201d<span class="ff2 ws0"> </span></div></div><div class="pi" data-data='{"ctm":[1.000000,0.000000,0.000000,1.000000,0.000000,0.000000]}'></div></div>
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