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Revolutionizing fitness training for every member
São Paulo, Brazil March 2009
The HumanSport™ Solution
Overview• Welcome• ACE 2008 Fitness Trends• Client Issues & Needs• Why Functional Integrated Training• HumanSport Solution• HumanSport Marketing Overview• HumanSport Education Overview• HumanSport Programming concepts• Hands On Demonstration• Get on and go! – Play and experiment on
HumanSport
Our Emerging VisionOur dream of what we will become, and how we
wish to be in the future
BEST IN CLASS IN EVERY CATEGORY OF CARDIO VASCULAR FITNESS
BEST IN CLASS IN CUSTOMER SERVICE
To improve the length and quality of life for people around the world through
Fitness
WORLD CLASS STRENGTH
To be the number one provider of commercial fitness products in the world by delivering innovative user
centered products and programming
Leader in High end consumer products
STAR TRAC FAQ’s• Q. What kind of company is Star Trac?• A. Star Trac is a global leader in the commercial fitness industry, producing
three full lines of cardiovascular products, four full lines of strength products including plate-loaded leverage and free weights, and we are the official manufacturer of Spinner® bikes.
• Q. How long has Star Trac been in business?• A. Since 1975. We have a solid reputation of designing and building
innovative and reliable equipment. Customers can truly trust the Star Trac brand.
• Q. What sets Star Trac apart from other companies?• A. Star Trac is known for its user-focused design. We have strived to be in
the forefront of the industry, designing breakthrough products that set standards and establish new paradigms for fitness equipment. A few of our innovations include Star Trac’s patented Impact Absorption System, SelectFit™ total body trainer technology, the first and only motivational track display, and user-controlled fans on our cardio equipment. Beyond that, we take pride in the fact that we live our brand. We are fitness enthusiasts and we are committed to inspire others to adopt an active lifestyle.
STAR TRAC FAQ’s• Q. Besides selling equipment, how does Star Trac help people get fit?• A. Star Trac is more than just an equipment manufacturer; we are a
company committed to helping individuals mold lifelong habits for health and fitness (www.expectdifferent.com). Through support and sponsorships of everything from global causes to small community events, we are reaching out with the fitness message. As an example, we have supported programs such as ABC’s “Shaq’s Big Challenge,” which profiled the problem of childhood obesity and underscored the importance of physical fitness for all ages. And every day on a community level, our company or one of its employees or partners around the world can be found supporting a worthy cause.
• Q. Where are you located?• A. Our corporate headquarters are located in Irvine, California. Star Trac
Strength is located in Murrieta, California. Star Trac also has global offices in Singapore, the United Kingdom, Germany, France and Spain; our products are available from a vast array of dealers and distributors in numerous locations worldwide.
STAR TRAC FAQ’s• Q. Where do you manufacture your products?• A. Star Trac has global operations devoted to manufacturing their strength and
cardiovascular products. They maintain their headquarters in Irvine, CA, which is responsible for the majority of cardiovascular products. We also utilize factories in Murrieta-California, Mexico, Taiwan and China to manufacture our strength and Spinning® product lines.
• Q. What products do you make?• A. Star Trac manufactures three complete lines of user-focused cardiovascular and
strength equipment. Our three cardio lines – S Series, P Series and E Series – feature treadmills, total body trainers with SelectFit™ technology, upright bikes, recumbent bikes and steppers. The E Series cardio line features Made for iPod® and USB connectivity; furthermore, various entertainment options are available for all our cardio equipment. All cardio products are loaded with user-friendly features like personal adjustable cooling fans and adjustable arm rests. Additionally, our four full lines of strength equipment – HumanSport™, Instinct™, Impact Strength™ and Leverage – are perfectly complemented with our line of free weights, benches, racks and accessories. The unique MaxRack® and Dual Adjustable Pulley offer even more variety and functionality from our strength offerings. Star Trac is also partnered with Mad Dogg Athletics, the creators of Spinning®, as the manufacturer for all three Spinner® bikes including the groundbreaking Spinner® NXT. More than 3 million people in over 70 countries use Star Trac exercise equipment daily.
SAN DIEGO, Calif. – Jan. 3, 2008
The American Council on Exercise (ACE) - Annual survey to identify the leading trends in the fitness industry. 2008 promises to be filled with water aerobics, boxing clubs and spicy Latin dancing. Some trends continue from 2007 including, functional fitness, balance training and increased access to personal training for all segments of society. The following represent ACE’s listing of the top ten fitness trends for 2008.
1. Out of the Box Workouts
2. Body Weight and Equipment-Free Workouts
3. Event or Sports-Specific Programming
4. Boomer Fitness Focus
5. Focused Express Workouts
6. Total Wellness Programming
7. Hybrid Programming
8. Personal Training
9. Technology-Based Workouts
10.Functional Strength Training
Revenue
The numbers and the graph below represent the rapidly growing amount of money spent on weight loss. The weight loss industry is exploding.
1990 - $33 Billion
2004 - $46 Billion
2006 - $100+ Billion0
20
40
60
80
100
1990 2004 2006
Billions of dollars spent on weight loss
Today's Client Issues• Obesity and inactivity have been categorized by experts
such as the International Obesity Task Force (IOTF) as becoming a global epidemic and health care crisis
• Over 1/3 of the US population is obese, increasing numbers are experiencing musculoskeletal injuries due to decreased activity including back related issues and lower extremity hip and knee injuries. Globally, there are more than 1 billion overweight adults, at least 300 million of them obese.
• Inactivity, lifestyle and obesity related medical conditions are the major contributing factor to a reduced quality of life and premature death
• These US trends of obesity and inactivity are already being seen globally and will dramatically affect the International community over the next two decades. Obesity accounts for 2-6% of total health care costs in several developed countries; some estimates put the figure as high as 7%.
• By 2030, obesity will be the Number 1 killer of poor people around the world, the World Health Organization says
Today’s Client Needs• Clients today live and work in environments that are
much less active than in previous decades
• Automation, innovation, entertainment and numerous other factors are contributing to the more sedentary lifestyles of our clients
• More than ever, a functional integrated approach to training is critical to the overall success of our clients
• Often, the only primary physical activities that our clients engage in are the hours they spend in our facilities
• In a recent survey of over 200 Personal Trainers 100% stated that they had clients who were only active when participating in a session 2 to 3 times per week
• Our facility clients and members are working up to 1/3 more hours and are less active outside the club than ever before in the history of our industry
Today's Member• Designing a balanced 3-Dimensional exercise program
is essential for the achievement of individual fitness goals and overall quality of life
• Movement in all three plans of motion - front to back (Sagittal Plane), side to side (Frontal Plane) and in rotation (Transverse Plane) are essential and can be utilized to enhance any fitness, rehabilitation or performance goal
• 3-Dimensional strength training can improve your client’s overall strength, posture, balance, flexibility, stability, and coordination, leading to efficiency in movement, both in and out of the gym
• Clients today have very specific fitness needs including medical, cosmetic, performance and general fitness
• More than ever, trainers must identify the core goals and needs of these clients and design a program that improves and enhances movement and overall function
Why Functional, Integrated Training?• Everyday function is integrated and
multidimensional, not isolated
• Traditional exercises have focused on training isolated regions of the body, often utilizing single, fixed planes of motion
• Traditional training often focuses on Sagittal plane training only
Chest Press Shoulder Press
Row Lat Pull Down
Leg Extension Leg Press
Leg Curl Bicep Curl
Why Functional, Integrated Training?
• Functional, integrated strength training programs enhance:– Total body strength– Postural strength and endurance– Asymmetrical strength– Overall power and force production– Dynamic flexibility– Balance– Coordination– Reduction of neurological, connective
tissue and musculotendinous fatigue– Strength which enhances everyday
activities– Functional core development, which
leads to all specific goals
Your members are ready!• Consumers have been shown the facts
• Functional integrated training has permeated mainstream media
• Your training staff is ready they may just lack the tools
The HUMANSPORT™ Solution
• Features a “user defined” strength training experience…the machine follows the motion of the user
• Requires little or no user adjustments• Accommodates all user sizes & fitness goals• Can be used slowly for Senior fitness and rehabilitation• Can be used quickly and powerfully for athletic performance training
Why Cable Based Training for Weight Loss?
Greater Variety of Functional Movements
• Not dependent on direction of gravity• Easy to change center of gravity• Easy to switch movements
Fits All Users• Easy to accommodate restricted
movement patterns
Safety• No spotter necessary
The HUMANSPORT™ Solution
The HUMANSPORT™ Solution
• HumanSport is the only Dual Functional Training equipment featuring two intuitive training stations combined into one machine. Often Functional Training tools lack simplicity that new and intermediate members require to realize the benefits of cable based training
• HumanSport is designed to allow resistance training movements in the seated isolated position, seated unstable position and standing position for unlimited training options. Often, competitive products do not provide the cable travel necessary to allow for unstable or standing movement
• HumanSport features two weight stacks on each machine which means two users can occupy one machine for several exercises. Competitive products often have a single unit with a single stack - limiting utilization to one participant and requiring much more space for the same variety of exercises
The HUMANSPORT™ Solution
HumanSport is the most aesthetically pleasing and approachable functional training product on the market today
•Design combines the strength of steel, the softness of fabric and the warmth of
natural wood or the urban feel of the black and grey•Each unit features intuitive easy to understand instructional placards•Low profile weight stack tower is inviting vs. intimidating
The HumanSport Dual Functional Training technology combines 12 intuitive machines into 6 space efficient cost effective stations
•Maximum training options in a space efficient design – 50% less space than required by the competition•Total functional training solution at significantly lower price point than competitive products
Cable Based Training: Key Phrases
• Key phrases to use when describing or training members on HumanSport to demonstrate and explain the benefits
• “Life happens in 3DLife happens in 3D – all movements in day to day life including home, work, and sports activities happen in three planes of motion, forward and back, side to side and in rotation and your training program must include a 3D approach”
• “Isolated single plane strength training is an important component to any fitness program especially for aesthetics and hypertrophy goals – but everyone benefits from functional integrated trainingintegrated training by enhancing their core strength, total body power and strength, balance, coordination and enhanced aerobic capacity”
• “Cable-based functional training is the ideal tool for achieving almost any achieving almost any goalgoal. This tool allows for isolation training, stabilization core training and dynamic movement - total body training.
• “Cable-based functional training can be used for body building, rehabilitation, sports performance, weight loss and specialty programs. It can bridge the bridge the gapgap between traditional strength training and cardiovascular training to achieve any desired goal”
The HUMANSPORT™ Science
Why Integrated Circuit Training for Weight Loss?
1. More muscle tissue involvement Integrated circuit training allows for greater involvement of stabilizer muscles for all
joints involved in an exercise. As exercises progress from base strength movements with maximum external support to core stability and dynamic movements with little to no external support, a much higher number of stabilizers must be involved. This results in greater muscle tissue involvement, which means greater caloric expenditure.
2. Low rest interval Integrated circuit training places emphasis on different muscles from set to set,
allowing moderate to full recovery of those muscles before the circuit repeats. When this is combined with a low rest interval, higher heart rates are achieved consistently through the circuit, even during the rest period. This can result in a positive cardiovascular effect.
3. High intensity
High training loads will result in more force production from a greater number of muscle motor units. More motor units activated means more calories burned during the workout.
The use of high training loads can also create an “after burn” effect, also known as EPOC (Excess Post-exercise Oxygen Consumption). This results in more calories burned after the workout.
4. Movement based Integrated circuit training exercises are based on natural human movement. It mimics
the type of movements that we perform on a regular basis in a resisted environment. Movement based training teaches the body how to move more effectively. This results in greater carry over to every day activity as well as decreasing risk for injury.
The HUMANSPORT™ Science
The HumanSport™ Solution
5. Stable, Unstable, and Dynamic
Exercises performed on seat + back pad = maximum stability Exercises performed on seat without back pad = unstable environment with
higher core involvement Exercises performed off seat without back pad = dynamic environment with
maximum muscular involvement
6. Fits and challenges all body types
Male, Female, Tall, Short, Big, Small, and everyone in between
7. Easy to Use = Easy to Teach Intuitive cable pulley placement and handles, makes it easy to understand how
to perform basic exercises with very little instruction
The HUMANSPORT™ Science
The HUMANSPORT™ Programs
Program Details
Exercises
Shoulder Chest
Shoulder
• Multiple shoulder pressing motions including frontal plane press, sagittal plane press and rotational press
• Seated stable, seated unstable and standing positions can be utilized
• Bi-lateral or Uni-lateral use
• Seat adjustment accommodates pre-stretch for users of different heights
Shoulder Chest
Chest
• Multiple chest pressing motions including horizontal press, Incline and decline press, chest fly and rotational press
• Seated stable, seated unstable and standing positions can be utilized
• Primary or secondary D-Ring selection setting for more or less pre-stretch
• Bi-lateral or Uni-lateral use
• Seat adjustment accommodates users of different heights
Lat PulleyLat
• Multiple pulling motions including frontal plane pull, rotational pull and unilateral pull
• Seated stable, seated unstable and standing positions can be utilized
• Bi-lateral or Uni-lateral use
• Knee pad adjustment stabilizes users lifting heavy loads
Lat PulleyPulley / Row
• Multiple pulling and rowing motions including sagittal plane pull, rotational pull and unilateral pull
• Seated stable, seated unstable and standing positions can be utilized
• Bi-lateral or Uni-lateral use
• Knee pad adjustment stabilizes users lifting heavy loads
Pull Lift
High Pulley
• Numerous high pulley motions including pulling and press downs, core rotation, assisted squatting and lunging
• High pulling and rotational movements can be combined with stepping and lunging to incorporate total body 3-Demensional movements
• Bi-lateral or Uni-lateral use
• Exercises can be performed on or off the platform
Pull Lift
Lift
• Numerous lower body movements including squats, lunges, dead lifts, calf raises
• Numerous upper body motions including biceps curls, shrugs, rows and presses
• Low pulling and rotational movements can be combined with stepping and lunging to incorporate total body 3-D motions
• Bi-lateral or Uni-lateral use
• Exercises can be performed on or off the platform
Arm Crunch
Arm Curl
• Multiple curling motions pronated, supinated and hammer curls
• Seated stable, seated unstable and standing positions can be utilized
• Bi-lateral or Uni-lateral use
• Seat adjustment accommodates users of different heights
Arm CrunchAbdominal Crunch • Multiple abdominal motions including
a basic crunch, oblique crunch and core rotation
• Seated, seated rotation and standing positions can be utilized
• Abdominal crunch straps can be used for overhead triceps extension
• Bi-lateral or Uni-lateral use
• Seat adjustment accommodates users of different heights
Total DeltsMid PulleyDeltoid
• Numerous mid pulley shoulder options including row rear deltoids, straight arm shoulder flexion, internal and external shoulder rotation
• Seated supported, seated unstable and standing positions can be utilized
• Bi-lateral or Uni-lateral use
• Knee pad adjustment stabilizes users lifting heavy loads
Total Delts
Low PulleyDeltoid
• Numerous low pulley shoulder options including sagittal and frontal plane lateral raises, front raises and shoulder flexion
• Seated supported, seated unstable and standing positions can be utilized
• Bi-lateral or Uni-lateral use
• Knee pad adjustment stabilizes users lifting heavy loads
Total LegsLegs Anterior
• Multiple lower extremity training including hip stabilization and flexion, knee extension and resisted dorsi flexion of the ankle
• Single leg motions can be combined performed with high, moderate or no outside stabilization to facilitate balance and core training
• Unique foot harness accommodates users of all sizes
• Raised platform and stabilization handles provide ideal positioning for hip, knee and ankle exercises
Total LegsLegsPosterior
• Multiple lower extremity training including hip stabilization and hip extension, knee flexion and knee extension
• Single leg motions can be combined and performed with high, moderate or no outside stabilization to facilitate balance and core training
• Unique foot harness allows user to turin the body sideways and perform hip abduction and adduction
• Raised platform and stabilization handles provide ideal positioning for hip, knee and ankle exercises
HumanSport™ Training Paradigm
HumanSport™ Base Strength TrainingStrengthens individual muscle groups withoutside stabilization
HumanSport™ Core Stabilization Training Integrates core stabilization and introduces multi-planer, rotational movement
HumanSport™ Dynamic Movement TrainingTotal body integration developing overall strength, balance and coordination
HumanSport Base Strength Training
• Simple and safe starting point for all users
• Isolated and supported movement targeting a specific body segment
• Basic, single plane and familiar easy to achieve movements
• Utilization of outside support (pads) to assist with balance and stabilization
• Requires minimal aerobic demand
HumanSport Core Stabilization Training
• Basic movements incorporating core stabilization (no use of support pads)
• Stabilization requirements in flexion, extension and rotation
• Integration of core stabilization for enhanced safety and overall strength
• Reduction of risk for back injuries related to weak core strength
• Requires moderate aerobic demand
HumanSport Dynamic Movement Training
• Focused total body training emphasizing specific motions
• Ground-based training with little or no outside support
• Enhanced strength, balance and coordination
• Overall improvement in all activities of daily living
• Requires an increased level of aerobic demand with high aerobic benefits
Weight and Phase Progression • The weight should be
challenging with repetitions, tempo and training phase determined by clients’ specific goals
• Weight, repetitions and tempo should be manipulated using good body alignment and mechanics as the benchmark for progression
• Progression is dictated by the ability to perform each exercise with proper form and body alignment – as shown statically
Hips, knees, ankles and feet in alignment
Chest high with abdominals drawn slightly
Head over shoulders with chin and neck in alignment
Competitive Overview
Life FitnessTechnogym FreeMotion Fitness
•Space Constraints
•Cost prohibitive
•Not intuitive
•Advance progressions
•Limited Options
•Limited cable travel – no progression
•12 machines need to match HS circuit
•Twice as much space needed to match HS stations
•Significant Cost
HumanSport Program Opportunities
• Sessions Format– Individual– Semi-Private (2)– Small Group (2 to 6)– Circuit training (12 or more)
• Sessions Packaging– Individual New Member
Orientations (1 to 3 sessions)
– Session Packages (6,12,24,48 sessions)
– Progressive Time Based (4,6,8,12 week)
• Sample Programs– Fit For Life– Active Adult Fitness– Athletic Performance– Core Training– Lower Body Sculpting– Pilates based Cable
Training– 30 Minute Total Body
Circuit– Teen Fitness– Heart Rate Based
Integrated Training Circuit
The HUMANSPORT™ Layouts
HumanSport Layout
39m
20m
18.5m
18.5m
HumanSport™ Circuit Idea
Start
HumanSport ConfigurationFor Limited Floor Space
(22 Square Meters)
20.11m
11m
Education, Programming & Marketing Overview
Education
Online Now•HumanSport Orientation
• With online quiz
•Active Adult Program
•With online quiz
Coming Soon!•Teen Fitness Program
•Sports Performance
•Exercise Video Library
PT on the Net Registration
• Send your staff to the site 15 to 20 days before HumanSport arrives in the facility
• Have them complete the program, take the 10 question exam and forward their results to you
• Fitness trainers love to teach and they love to demonstrate new products and enhance their credibility
• Getting your staff excited and empowering them with expertise = increased orientations and increased PT sales
HumanSport™ Staff Orientation
Structure–www.ptonthenet.com Pre-Orientation – 90 day access to club employees–90 minute presentation (Power point projector required)–90 minute hands-on experience (HS Ball required)
•Online pre-orientation prior to installation•Done within the first week of installation
4 hour day (no REPS)•Master Trainer presents•No practical assessment•Could be run annually depending on staff turnover
Booking per group of 12 staff
Make An Impact With Staff!
Create staff excitement with online training
• Fitness Staff– Building expertise in advance– Identify and launch new member
programs• Sales Team
– Differentiate your faculty on tours– Tie potential member goals to
HumanSport solutions • Front Desk Staff
– Generate the “coming soon buzz”
Coming Soon: Star Trac eLearning site
• Secured eLearning solution for your staff
• Fitness Staff– Product knowledge
– Library of Exercise Videos
– Training program database
• Sales Team– “How to sell HS” Material
– Star Trac full product suite deep knowledge
• Front Desk Staff– Generate the Demand thanks to
marketing collateral
– branding
Satisfy All Your Members and Help Them Achieve Any Goal
• HumanSport adapts easily and provides training opportunities for:– General Fitness– Senior Fitness– Teen Fitness– Weight Loss Programs and Circuit Training– Sports Performance Training– Sports Specific programs (football, tennis, golf, …)– Injury Rehabilitation– Inclusive Fitness options
The HUMANSPORT™ Return On Investment
HumanSport Program Opportunities
• One of the fastest growing segments in Personal training is small group (2 to 6) goal based training packages.
• Programs are typically 6 to 8 weeks in length and are offered on a weekly scheduled format.
• Programs are goals based and results focused targeting specific member groups.
• Cost per client is roughly 1/3 of 1 on 1 PT but instructor pay and facility profit goes up.
• HumanSport Weight Loss Circuit
• HumanSport Sports Performance Training
• HumanSport Active Adult Fitness
• HumanSport Teen Fitness Circuit
• HumanSport Total Body Express Workout
• HumanSport Intense Abs Workout
• HumanSport Glutes and Thighs Workout
• HumanSport Women With Weights
• HumanSport Tennis
• HumanSport Football
• HumanSport Golf
Club Programming
•Revenue generating opportunities
•Can be used as reward/incentives for
staff team to earn more.
•Club circuit programs available:
•Weight Control
•Base / Core / Dynamic
•Teen Fitness
•Base / Core / Dynamic
•Active Adults
•Base / Core / Dynamic
•Sports Performance
HumanSport Program Opportunities
On site training per program available (max 12 staff)
Program Overview
Business Model• 3 different program offerings, Beginner, Intermediate, and
Advanced.• 1-2 trainers, trainers receive normal 1 on 1 session or group
exercise pay rate• Class size is 4-16 participants
Outline Program• Day 1: Workout 1• Day 2: Workout 2• Day 3: Workout 1• Day 4: Workout 2
Progression• Beginner (Base) > Intermediate (Stability + Dynamic) >
Advanced Dynamic
Fee for Program • 1/3 price of private training x 24• Example: $25/session, $600/program
Profit to Facility • Up to 10 times private training profit per session
HumanSport Program Opportunities
HumanSport™ Weight Control Program
HumanSport™ Bespoke Programming
•4 hour day
•Master Trainer works with club management & trainers
•Bespoke Club Program workshop available to assist in writing a training program to suit the club or group
HumanSport™ Program Suggestions
New member Senior Fitness LaunchGroup format up to 12 participants3 times per week1st time FREE to all new Senior members – Included with new membership
12 Week Senior Fitness Circuit ProgramGroup format up to 12 participants3 times per week$ per package
12 Week Semi Private Training2 to 5 participants3 times per week$$ per package
12 Week Individualized Private trainingOne on one3 times per week$$$ per package
HUMANSPORT™ Facility Binder
HumanSport™ Specialist
•8 hour day certification (ICREPS pending)
•Master Trainer presents
•Written & Practical assessment
•Could be run annually depending on staff turnover
•Could be offered as staff reward/incentive
HumanSport™ Marketing!
• Marketing Kit– Coming Soon
Posters and signs
– Sample Exercise Poster
– Promotional giveaways
– Marketing templates
The HUMANSPORT™ regresso em
investimento
Club Owner Benefits of Weight Loss Programming
• Personal Training Revenue 1/3 the price of personal training is average price to charge for a group weight loss program.
Average class sizes range from 2-6 participants. With a HumanSport circuit, a single personal trainer can comfortably train 8-16 participants at once, generating up to 5 times more revenue per hour than a private 1 on 1 training session.
• Member LoyaltyAffordable prices, measurable results, increased motivation in a peer environment, and overall satisfaction leads to greater consistency and gym loyalty. Most participants of a small training group typically continue to sign up for more small group training packages
• Marketable Success StoriesSuccessful, satisfied, and motivated participants can be a club’s most valuable marketing tool. As walking billboards, their own success advertises the group class value better than any advertisement. Satisfied participants want to get others involved. Word of mouth marketing is a wonderful side effect of satisfied clients. A club can quickly collect a large number of success stories and testimonials with weight loss programming.
The HUMANSPORT™ regresso em
investimento
Motivation for everyone
• Trainers show their talents
• Trainers are using club circuit programs
• Trainers create new programs
• Members receive best personalised advice
• Members have positive changes in training
• Members reach their goals. Physically and
mentally.
The HUMANSPORT™ Return On Investment
Program Overview
Example: Programming Revenue
• 21K to 103K / 12 Months• 43K to 206K / 24 Months
Number of Participants
Price Per Participant
Gross Revenue
Suggested Program Trainer Fee
Net Income Per 6 Week Program
Annual Net Income 12 x 6 week programs per year
4 $600 $2,400 $960 $1,800 $21,600
8 $600 $4,800 $960 $3,840 $46080
12 $600 $7,200 $960 $6,240 $74,880
16 $600 $9,600 $960 $8,640 $103,680
The HUMANSPORT™ Return On Investment
Perguntas?