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      Formação Profissional 
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  <title>Fundo de Compensação (FCT): Simule o saldo disponível da sua empresa em 30 segundos</title>

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<!-- Preheader text -->
<div style="display:none;font-size:1px;color:#f5f4ef;line-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hidden;">
  Em media, as empresas dispoem de 633&euro; por colaborador para aplicar em formacao certificada. O prazo de mobilizacao termina a 31/12/2026.&nbsp;&zwnj;&zwnj;&zwnj;&zwnj;&zwnj;&zwnj;&zwnj;&zwnj;&zwnj;&zwnj;&zwnj;&zwnj;&zwnj;&zwnj;
</div>

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                    <table role="presentation" border="0" cellpadding="0" cellspacing="0" width="24">
                      <tr>
                        <td style="width:24px; border-top: 2px solid #22b6ea; font-size:0; line-height:0;"></td>
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                    <p style="margin:0;padding:0;font-family:Arial,Helvetica,sans-serif;font-size:10px;letter-spacing:3px;text-transform:uppercase;color:#22b6ea;font-weight:bold;mso-line-height-rule:exactly;line-height:16px;">
                      Mobiliza&ccedil;&atilde;o de Saldos FCT &middot; Prazo: 31 Dez 2026
                    </p>
                  </td>
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              <!-- HEADLINE -->
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                Qual &eacute; o saldo do FCT dispon&iacute;vel<br>
                <span style="color:#22b6ea;">para a sua empresa?</span><br>
                Calcule em 30 segundos.
              </h1>

              <!-- DIVIDER -->
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              <!-- SUBTEXT -->
              <p style="margin:0;padding:0;font-family:Arial,Helvetica,sans-serif;font-size:13px;color:#c6d3e2;line-height:1.7;mso-line-height-rule:exactly;">
                Entre 2013 e 2023, a sua empresa contribuiu mensalmente para o 
                <span style="color:#e8f1f9;font-weight:bold;">Fundo de Compensa&ccedil;&atilde;o do Trabalho (FCT)</span>. 
                Esse saldo acumulado pode agora ser direcionado para o plano de forma&ccedil;&atilde;o da sua equipa, sem impacto no or&ccedil;amento de tesouraria.
              </p>

            </td>
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          <!-- URGENCY BAR -->
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                Nota legal: O per&iacute;odo transit&oacute;rio de mobiliza&ccedil;&atilde;o termina a 31 de dezembro de 2026. Ap&oacute;s esta data, n&atilde;o ser&aacute; poss&iacute;vel enquadrar novos pedidos.
              </p>
            </td>
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          <!-- BODY CONTENT -->
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            <td class="content-pad" style="padding:40px 48px 36px;background-color:#ffffff;mso-padding-alt:40px 48px 36px;">

              <!-- BIG STAT BLOCK -->
              <table role="presentation" border="0" cellpadding="0" cellspacing="0" width="100%" style="border-bottom:1px solid #f1f5f9;padding-bottom:28px;margin-bottom:32px;">
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                  <td align="center" style="padding-bottom:28px;">

                    <p class="stat-n" style="margin:0 0 10px 0;padding:0;font-family:Arial,Helvetica,sans-serif;font-size:56px;font-weight:900;color:#060a46;line-height:1;mso-line-height-rule:exactly;">
                      <span style="color:#22b6ea;">~633&euro;</span>
                    </p>

                    <p style="margin:0 0 6px 0;padding:0;font-family:Arial,Helvetica,sans-serif;font-size:15px;font-weight:bold;color:#334155;line-height:1.5;mso-line-height-rule:exactly;">
                      &eacute; o valor m&eacute;dio acumulado por colaborador
                    </p>

                    <p style="margin:0;padding:0;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#94a3b8;line-height:1.6;mso-line-height-rule:exactly;">
                      Estimativa baseada em contratos iniciados entre out. 2013 e mai. 2023. Uma equipa de 10 colaboradores pode representar um montante superior a 6.000&euro; em plano formativo.
                    </p>

                  </td>
                </tr>
              </table>

              <!-- SPACER ROW -->
              <table role="presentation" border="0" cellpadding="0" cellspacing="0" width="100%">
                <tr><td height="4" style="font-size:1px;line-height:1px;mso-line-height-rule:exactly;">&nbsp;</td></tr>
              </table>

              <!-- BODY TEXT -->
              <p style="margin:0 0 24px 0;padding:0;font-family:Arial,Helvetica,sans-serif;font-size:15px;line-height:1.8;color:#475569;mso-line-height-rule:exactly;">
                Este saldo j&aacute; foi liquidado pela sua empresa. Ao abrigo do 
                <strong style="color:#0f172a;">DL 115/2023</strong>, o montante do FCT est&aacute; agora dispon&iacute;vel para 
                <strong style="color:#0f172a;">financiar forma&ccedil;&atilde;o profissional certificada</strong>, permitindo cumprir as horas obrigat&oacute;rias do C&oacute;digo do Trabalho sem encargos adicionais para a organiza&ccedil;&atilde;o. Em Portugal, existem ainda mais de <strong style="color:#0f172a;">517 milh&otilde;es de euros</strong> por mobilizar.
              </p>

              <!-- HIGHLIGHT BOX -->
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                <tr>
                  <td width="3" bgcolor="#22b6ea" style="width:3px;background-color:#22b6ea;border-radius:3px;font-size:1px;line-height:1px;">
                    &nbsp;
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                      <strong style="color:#075985;">N&atilde;o tem a certeza do montante da sua empresa?</strong> 
                      Disponibilizamos um simulador pr&aacute;tico: indique o n&uacute;mero de colaboradores e obtenha uma estimativa imediata do valor mobiliz&aacute;vel para o seu plano de forma&ccedil;&atilde;o. O prazo limite para enquadramento termina a <strong style="color:#075985;">31 de dezembro de 2026</strong>.
                    </p>
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                      Acesso livre &middot; Estimativa em 30 segundos
                    </p>

                    <!-- Sub-headline -->
                    <h2 style="margin:0 0 12px 0;padding:0;font-family:Arial,Helvetica,sans-serif;font-size:22px;font-weight:900;color:#ffffff;line-height:1.25;mso-line-height-rule:exactly;">
                      Pronto para consultar o potencial<br>
                      <span style="color:#22b6ea;">da sua equipa?</span>
                    </h2>

                    <!-- Description -->
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                      Processo r&aacute;pido, simples e sem necessidade de registo pr&eacute;vio. Se desejar, a nossa equipa acompanha posteriormente toda a tramita&ccedil;&atilde;o processual da candidatura.
                    </p>

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                              Simular o saldo da minha empresa &rarr;
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                            Simular o saldo da minha empresa &rarr;
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                      Acesso livre e sem compromisso &middot; Valores estimados
                    </p>

                    <!-- Secondary link -->
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                      Prefere uma an&aacute;lise personalizada? 
                      <a href="https://tracking.planetainformatico.pt/tracking/click?d=w8FTLWw3zTOnmX-OIRBKYoRwB4lNPt4aRu1m7cZcw37Kg4gDJhfSyiy1Bsc4xUqK5z4yFft0VYMpioh03Tqrdn2-GFLTkho-So2vfIzuC0pRvh_eZLg8X8_CxqnV3SJa0wayIKNAAgdFaXANhnXr9bBfXy7G0p66w05JYY1g8GvLHyoUtJ5vz4yeeWYiAXWaJrBcEL51wFUds0zNoh2iTLjkbhTCEYPZuiwI16hpKX34v25EPGp4VHVth7z_6dTbHl6-9IZOsUsFuw-cht_8c1OkzeQ3VHbEhfnTUiZvpvYc0m1TawkHLXeNVuXEit8iUIKdntPe461xXT4w8UkXckRnmElxlZXgrOAQvfVtKPXkq-ejqtMWy7czCXoNmYaB6Yay5GpJou6BqNUuE5QDsj01"
                         target="_blank"
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                        Fale diretamente com a nossa equipa
                      </a> 
                      &middot; resposta garantida em 24h.
                    </p>

                  </td>
                </tr>
              </table>
              <!-- /OFFER BLOCK -->

            </td>
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                <table role="presentation" border="0" cellpadding="0" cellspacing="0" width="600" style="max-width: 600px;">
                    <tr>
                        <!-- CARD 1: PACK DE FORMAÇÃO 40H -->
                        <td class="column-wrapper" width="32%" valign="top">
                            <table role="presentation" border="0" cellpadding="0" cellspacing="0" width="100%" style="border: 1px solid #dddddd; border-radius: 8px;">
                                <tr>
                                    <td bgcolor="#060a46" style="padding: 15px; text-align: center; border-radius: 8px 8px 0 0;">
                                        <h3 style="margin: 0; font-family: Arial, sans-serif; font-size: 15px; font-weight: 600; color: #ffffff;">PACK DE FORMAÇÃO 40H</h3>
                                    </td>
                                </tr>
                                <tr>
                                    <td bgcolor="#ffffff" style="padding: 20px 15px; text-align: center; border-radius: 0 0 8px 8px;">
                                        <p style="margin: 0 0 20px 0; font-size: 13px; line-height: 1.5; color: #555555; min-height: 100px;">
                                            Cumpra as 40h de formação anuais obrigatórias por lei e valorize a sua equipa.
                                        </p>
                                        <table border="0" cellspacing="0" cellpadding="0" role="presentation" align="center">
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                                                        Saber Mais
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                            <table role="presentation" border="0" cellpadding="0" cellspacing="0" width="100%" style="border: 1px solid #dddddd; border-radius: 8px;">
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                                        <h3 style="margin: 0; font-family: Arial, sans-serif; font-size: 15px; font-weight: 600; color: #ffffff;">FORMAÇÃO À MEDIDA</h3>
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                                            Soluções de formação personalizadas, online ou presenciais, com diagnóstico gratuito.
                                        </p>
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                                                      <center style="color:#ffffff;font-family:Arial,sans-serif;font-size:13px;font-weight:bold;">Pedir Diagnóstico</center>
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                        <!-- CARD 3: FUNDOS DE COMPENSAÇÃO -->
                        <td class="column-wrapper" width="32%" valign="top">
                            <table role="presentation" border="0" cellpadding="0" cellspacing="0" width="100%" style="border: 1px solid #dddddd; border-radius: 8px;">
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                                    <td bgcolor="#060a46" style="padding: 15px; text-align: center; border-radius: 8px 8px 0 0;">
                                        <h3 style="margin: 0; font-family: Arial, sans-serif; font-size: 15px; font-weight: 600; color: #ffffff;">FUNDOS DE COMPENSAÇÃO</h3>
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                                </tr>
                                <tr>
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                                        <p style="margin: 0 0 20px 0; font-size: 13px; line-height: 1.5; color: #555555; min-height: 100px;">
                                            Financie a formação dos seus colaboradores a custo zero, utilizando os saldos dos Fundos de Compensação (FCT).
                                        </p>
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