');mask-image:url('data:image/svg+xml;utf8, ');transform:translate(calc(var(--ids_size_general_28x) / -2)) translate(var(--slider-percent));-webkit-transition:box-shadow .2s linear;transition:box-shadow .2s linear;width:var(--ids_size_general_28x)}.ids-slider[_ngcontent-wch-c10]::-moz-range-thumb{appearance:none;background-color:var(--ids_color_action_primary_base);border:0;cursor:pointer;height:2.125rem;margin-top:calc(var(--ids_spacing_1x) + var(--ids_size_general_8x));mask-image:url('data:image/svg+xml;utf8, ');transform:translate(calc(var(--ids_size_general_28x) / -2)) translate(var(--slider-percent));-moz-transition:box-shadow .2s linear;transition:box-shadow .2s linear;width:var(--ids_size_general_28x);transform:translateY(calc(.8125rem + var(--ids_size_general_8x) + var(--ids_spacing_1x))) translate(calc(var(--ids_size_general_28x) / -2)) translate(var(--slider-percent))}.ids-slider[_ngcontent-wch-c10]:active::-webkit-slider-thumb, .ids-slider[_ngcontent-wch-c10]:focus::-webkit-slider-thumb, .ids-slider[_ngcontent-wch-c10]:hover::-webkit-slider-thumb{background-color:var(--ids_color_action_primary_variant);outline:0}.ids-slider[_ngcontent-wch-c10]:active::-moz-range-thumb, .ids-slider[_ngcontent-wch-c10]:focus::-moz-range-thumb, .ids-slider[_ngcontent-wch-c10]:hover::-moz-range-thumb{background-color:var(--ids_color_action_primary_variant)}.ids-slider[_ngcontent-wch-c10]:disabled{--slider-color-primary: ids_color_action_disabled_variant;pointer-events:none}.ids-slider[_ngcontent-wch-c10]:disabled::-moz-range-thumb{box-shadow:none}.ids-slider[_ngcontent-wch-c10]:disabled::-webkit-slider-thumb{box-shadow:none}.ids-slider[_ngcontent-wch-c10]:disabled:focus, .ids-slider[_ngcontent-wch-c10]:disabled:active, .ids-slider[_ngcontent-wch-c10]:disabled:hover{color:transparent}.ids-slider[_ngcontent-wch-c10]:disabled.ids-slider--light{opacity:.6}.ids-slider[_ngcontent-wch-c10] + .ids-slider-range[_ngcontent-wch-c10]{margin-top:calc(var(--ids_size_general_24x) * -1);transform:translateY(calc(-1 * calc(calc(2.125rem + var(--ids_spacing_1x)) + var(--ids_size_general_8x)) - var(--ids_spacing_2x)))}.ids-tag[_ngcontent-wch-c10]{background-color:var(--ids_color_feedback_neutral);border:var(--ids_size_border_small) solid var(--ids_color_feedback_neutral);border-radius:var(--ids_size_cornerRadius_tags_01);box-sizing:border-box;color:var(--ids_color_feedback_neutral_contrast);display:inline-block;font:var(--ids_textStyle_f02_s14_h20_wrg);min-height:var(--ids_size_general_20x);padding:var(--ids_size_general_1x) var(--ids_spacing_2x);vertical-align:baseline;white-space:nowrap}.ids-tag.-on-brand[_ngcontent-wch-c10]{background-color:var(--ids_color_contrast_onBrand_primary);border-color:var(--ids_color_contrast_onBrand_primary);color:var(--ids_color_feedback_neutral)}.ids-tag.-error[_ngcontent-wch-c10]{background-color:var(--ids_color_feedback_error);border-color:var(--ids_color_feedback_error);color:var(--ids_color_feedback_error_contrast)}.ids-tag.-warning[_ngcontent-wch-c10]{background-color:var(--ids_color_feedback_alert);border-color:var(--ids_color_feedback_alert);color:var(--ids_color_feedback_alert_contrast)}.ids-tag.-success[_ngcontent-wch-c10]{background-color:var(--ids_color_feedback_success);border-color:var(--ids_color_feedback_success);color:var(--ids_color_feedback_success_contrast)}.ids-tag.-outline[_ngcontent-wch-c10]{background-color:transparent;border-color:currentcolor;color:var(--ids_color_feedback_neutral)}.ids-tag.-outline.-on-brand[_ngcontent-wch-c10]{color:var(--ids_color_contrast_onBrand_primary)}.ids-tag.-outline.-error[_ngcontent-wch-c10]{color:var(--ids_color_feedback_error)}.ids-tag.-outline.-warning[_ngcontent-wch-c10]{color:var(--ids_color_feedback_alert)}.ids-tag.-outline.-success[_ngcontent-wch-c10]{color:var(--ids_color_feedback_success)}.ids-overlay[_ngcontent-wch-c10]{align-items:center;display:flex;height:100vh;justify-content:center;left:0;position:fixed;top:0;width:100vw;z-index:1001}.ids-backdrop[_ngcontent-wch-c10]{background-color:var(--ids_color_action_neutral_variant_medium);display:flex;height:100vh;left:0;position:fixed;top:0;width:100vw}.ids-backdrop.-no-bg[_ngcontent-wch-c10]{background-color:transparent}.ids-backdrop.-no-bg[_ngcontent-wch-c10] + *[_ngcontent-wch-c10] .ids-modal-wrapper[_ngcontent-wch-c10]{max-height:initial}.ids-backdrop.-no-bg[_ngcontent-wch-c10] + *[_ngcontent-wch-c10] .ids-modal-wrapper[_ngcontent-wch-c10] > .ids-container-fluid[_ngcontent-wch-c10]{padding:0}.ids-tooltip-wrapper.-click[_ngcontent-wch-c10] > *[aria-expanded=true][_ngcontent-wch-c10] .ids-tooltip[_ngcontent-wch-c10], .ids-tooltip-wrapper.-click[_ngcontent-wch-c10] > *[_ngcontent-wch-c10]:focus:not([aria-expanded=false]) .ids-tooltip[_ngcontent-wch-c10], .ids-tooltip-wrapper.-click[aria-expanded=true][_ngcontent-wch-c10] .ids-tooltip[_ngcontent-wch-c10], .ids-tooltip-wrapper.-click[_ngcontent-wch-c10]:focus:not([aria-expanded=false]) .ids-tooltip[_ngcontent-wch-c10], .ids-tooltip-wrapper[_ngcontent-wch-c10]:hover:not(.-click) .ids-tooltip[_ngcontent-wch-c10], .ids-tooltip-wrapper[_ngcontent-wch-c10]:focus-visible:not(.-click) .ids-tooltip[_ngcontent-wch-c10], .ids-tooltip-wrapper[_ngcontent-wch-c10]:not(.-click) > *[_ngcontent-wch-c10]:hover .ids-tooltip[_ngcontent-wch-c10], .ids-tooltip-wrapper[_ngcontent-wch-c10]:not(.-click) > *[_ngcontent-wch-c10]:focus-visible .ids-tooltip[_ngcontent-wch-c10], .ids-tooltip-wrapper.-click[_ngcontent-wch-c10] > *[aria-expanded=true][_ngcontent-wch-c10] + .ids-tooltip[_ngcontent-wch-c10], .ids-tooltip-wrapper.-click[_ngcontent-wch-c10] > *[_ngcontent-wch-c10]:focus:not([aria-expanded=false]) + .ids-tooltip[_ngcontent-wch-c10], .ids-tooltip-wrapper.-click[aria-expanded=true][_ngcontent-wch-c10] + .ids-tooltip[_ngcontent-wch-c10], .ids-tooltip-wrapper.-click[_ngcontent-wch-c10]:focus:not([aria-expanded=false]) + .ids-tooltip[_ngcontent-wch-c10], .ids-tooltip-wrapper[_ngcontent-wch-c10]:hover:not(.-click) + .ids-tooltip[_ngcontent-wch-c10], .ids-tooltip-wrapper[_ngcontent-wch-c10]:focus-visible:not(.-click) + .ids-tooltip[_ngcontent-wch-c10], .ids-tooltip-wrapper[_ngcontent-wch-c10]:not(.-click) > *[_ngcontent-wch-c10]:hover + .ids-tooltip[_ngcontent-wch-c10], .ids-tooltip-wrapper[_ngcontent-wch-c10]:not(.-click) > *[_ngcontent-wch-c10]:focus-visible + .ids-tooltip[_ngcontent-wch-c10], .ids-tooltip-wrapper.-click[_ngcontent-wch-c10] > *[aria-expanded=true][_ngcontent-wch-c10] + *[_ngcontent-wch-c10] .ids-tooltip[_ngcontent-wch-c10], .ids-tooltip-wrapper.-click[_ngcontent-wch-c10] > *[_ngcontent-wch-c10]:focus:not([aria-expanded=false]) + *[_ngcontent-wch-c10] .ids-tooltip[_ngcontent-wch-c10], .ids-tooltip-wrapper.-click[aria-expanded=true][_ngcontent-wch-c10] + *[_ngcontent-wch-c10] .ids-tooltip[_ngcontent-wch-c10], .ids-tooltip-wrapper.-click[_ngcontent-wch-c10]:focus:not([aria-expanded=false]) + *[_ngcontent-wch-c10] .ids-tooltip[_ngcontent-wch-c10], .ids-tooltip-wrapper[_ngcontent-wch-c10]:hover:not(.-click) + *[_ngcontent-wch-c10] .ids-tooltip[_ngcontent-wch-c10], .ids-tooltip-wrapper[_ngcontent-wch-c10]:focus-visible:not(.-click) + *[_ngcontent-wch-c10] .ids-tooltip[_ngcontent-wch-c10], .ids-tooltip-wrapper[_ngcontent-wch-c10]:not(.-click) > *[_ngcontent-wch-c10]:hover + *[_ngcontent-wch-c10] .ids-tooltip[_ngcontent-wch-c10], .ids-tooltip-wrapper[_ngcontent-wch-c10]:not(.-click) > *[_ngcontent-wch-c10]:focus-visible + *[_ngcontent-wch-c10] .ids-tooltip[_ngcontent-wch-c10]{opacity:1;pointer-events:auto}.ids-tooltip-wrapper[_ngcontent-wch-c10]{position:relative}.ids-tooltip-wrapper[_ngcontent-wch-c10] .ids-tooltip[_ngcontent-wch-c10]{bottom:100%;left:50%;opacity:0;pointer-events:none;position:absolute;transform:translate(-50%);white-space:nowrap;z-index:1}.ids-tooltip-wrapper[_ngcontent-wch-c10] .ids-tooltip--end[_ngcontent-wch-c10]{left:auto;right:calc(50% - var(--ids_size_general_10x))}.ids-tooltip-wrapper[_ngcontent-wch-c10] .ids-tooltip--start[_ngcontent-wch-c10]{left:calc(50% - var(--ids_size_general_10x))}.ids-tooltip-wrapper[_ngcontent-wch-c10] .ids-tooltip--bottom[_ngcontent-wch-c10]{bottom:auto;top:100%}.ids-tooltip-wrapper[_ngcontent-wch-c10] .ids-tooltip--left[_ngcontent-wch-c10], .ids-tooltip-wrapper[_ngcontent-wch-c10] .ids-tooltip--right[_ngcontent-wch-c10]{bottom:50%;transform:translateY(50%)}.ids-tooltip-wrapper[_ngcontent-wch-c10] .ids-tooltip--left.ids-tooltip--start[_ngcontent-wch-c10], .ids-tooltip-wrapper[_ngcontent-wch-c10] .ids-tooltip--right.ids-tooltip--start[_ngcontent-wch-c10]{bottom:auto;top:calc(50% - var(--ids_size_general_10x))}.ids-tooltip-wrapper[_ngcontent-wch-c10] .ids-tooltip--left[_ngcontent-wch-c10]{left:auto;right:100%}.ids-tooltip-wrapper[_ngcontent-wch-c10] .ids-tooltip--right[_ngcontent-wch-c10]{left:100%}.ids-tooltip-wrapper[_ngcontent-wch-c10] .ids-tooltip--end[_ngcontent-wch-c10], .ids-tooltip-wrapper[_ngcontent-wch-c10] .ids-tooltip--start[_ngcontent-wch-c10]{transform:initial}.ids-motion-pattern-fade-in-down[_ngcontent-wch-c10], .ids-motion-pattern-fade-in-up[_ngcontent-wch-c10]{animation-duration:var(--ids_motion_time_slow_01);animation-timing-function:var(--ids_motion_easing_effective_decelerate_standard)}.ids-motion-pattern-fade-out-down[_ngcontent-wch-c10], .ids-motion-pattern-fade-out-up[_ngcontent-wch-c10]{animation-duration:var(--ids_motion_time_fast_03);animation-timing-function:var(--ids_motion_easing_effective_accelerate_standard)}@keyframes _ngcontent-wch-c10_fade-in{0%{opacity:var(--ids_motion_opacity_0)}to{opacity:var(--ids_motion_opacity_100)/100}}@keyframes _ngcontent-wch-c10_fade-out{0%{opacity:var(--ids_motion_opacity_100)/100}to{opacity:var(--ids_motion_opacity_0)}}@keyframes _ngcontent-wch-c10_up-initial{0%{transform:translateY(100%)}to{transform:translateY(0)}}@keyframes _ngcontent-wch-c10_down-initial{0%{transform:translateY(-100%)}to{transform:translateY(0)}}@keyframes _ngcontent-wch-c10_initial-up{0%{transform:translateY(0)}to{transform:translateY(-100%)}}@keyframes _ngcontent-wch-c10_initial-down{0%{transform:translateY(0)}to{transform:translateY(100%)}}.ids-motion-pattern-fade-in[_ngcontent-wch-c10]{animation-duration:var(--ids_motion_time_fast_02);animation-name:_ngcontent-wch-c10_fade-in;animation-timing-function:var(--ids_motion_easing_effective_decelerate_standard)}.ids-motion-pattern-fade-in-up[_ngcontent-wch-c10]{animation-name:_ngcontent-wch-c10_fade-in,_ngcontent-wch-c10_up-initial}.ids-motion-pattern-fade-in-down[_ngcontent-wch-c10]{animation-name:_ngcontent-wch-c10_fade-in,_ngcontent-wch-c10_down-initial}.ids-motion-pattern-fade-in-slow[_ngcontent-wch-c10]{animation-duration:var(--ids_motion_time_moderate_02);animation-name:_ngcontent-wch-c10_fade-in;animation-timing-function:var(--ids_motion_easing_effective_decelerate_standard)}.ids-motion-pattern-fade-out[_ngcontent-wch-c10]{animation-duration:var(--ids_motion_time_fast_02);animation-name:_ngcontent-wch-c10_fade-out;animation-timing-function:var(--ids_motion_easing_effective_accelerate_standard)}.ids-motion-pattern-fade-out-up[_ngcontent-wch-c10]{animation-name:_ngcontent-wch-c10_fade-out,_ngcontent-wch-c10_initial-up}.ids-motion-pattern-fade-out-down[_ngcontent-wch-c10]{animation-name:_ngcontent-wch-c10_fade-out,_ngcontent-wch-c10_initial-down}.ids-motion-pattern-fade-out-slow[_ngcontent-wch-c10]{animation-duration:var(--ids_motion_time_moderate_02);animation-name:_ngcontent-wch-c10_fade-out;animation-timing-function:var(--ids_motion_easing_effective_accelerate_standard)}@keyframes _ngcontent-wch-c10_scale-up{0%{transform:scale(var(--ids_motion_scale_0))}to{transform:scale(var(--ids_motion_scale_100)/100)}}@keyframes _ngcontent-wch-c10_scale-down{0%{transform:scale(var(--ids_motion_scale_100)/100)}to{transform:scale(var(--ids_motion_scale_0))}}.ids-motion-pattern-scale-up[_ngcontent-wch-c10]{animation-duration:var(--ids_motion_time_fast_03);animation-name:_ngcontent-wch-c10_scale-up;animation-timing-function:var(--ids_motion_easing_effective_decelerate_standard)}.ids-motion-pattern-scale-up-bouncing[_ngcontent-wch-c10]{animation-duration:var(--ids_motion_time_moderate_02);animation-name:_ngcontent-wch-c10_scale-up;animation-timing-function:var(--ids_motion_easing_vivid_decelerate_back)}.ids-motion-pattern-scale-down[_ngcontent-wch-c10]{animation-duration:var(--ids_motion_time_fast_03);animation-name:_ngcontent-wch-c10_scale-down;animation-timing-function:var(--ids_motion_easing_effective_accelerate_standard)}.ids-motion-pattern-scale-down-bouncing[_ngcontent-wch-c10]{animation-duration:var(--ids_motion_time_moderate_02);animation-name:_ngcontent-wch-c10_scale-down;animation-timing-function:var(--ids_motion_easing_vivid_accelerate_back)}.ids-motion-pattern-shake[_ngcontent-wch-c10]{animation-delay:0s,var(--ids_motion_time_fast_03),calc(var(--ids_motion_time_fast_03) + var(--ids_motion_time_fast_02));animation-duration:var(--ids_motion_time_fast_03),var(--ids_motion_time_fast_02),var(--ids_motion_time_fast_02);animation-name:_ngcontent-wch-c10_move-right,_ngcontent-wch-c10_move-left,_ngcontent-wch-c10_move-back;animation-timing-function:var(--ids_motion_easing_effective_standard)}@keyframes _ngcontent-wch-c10_move-right{0%{transform:translate(0)}to{transform:translate(var(--ids_size_general_10x))}}@keyframes _ngcontent-wch-c10_move-left{0%{transform:translate(var(--ids_size_general_10x))}to{transform:translate(-11px)}}@keyframes _ngcontent-wch-c10_move-back{0%{transform:translate(-11px)}to{transform:translate(0)}}.ids-likert-item[_ngcontent-wch-c10]{align-items:center;background:none;border:none;color:var(--ids_color_action_neutral_base);cursor:pointer;display:flex;flex:1;flex-direction:column;font:var(--ids_textStyle_f02_s14_h20_wrg);padding:0 var(--ids_size_general_6x);position:relative}.ids-likert-item__face[_ngcontent-wch-c10]{box-sizing:border-box;height:1.5rem;margin-bottom:var(--ids_size_general_8x);position:relative;width:auto}.ids-likert-item--selected[_ngcontent-wch-c10]{font:var(--ids_textStyle_f02_s14_h20_wbd)}.ids-likert-item--selected[_ngcontent-wch-c10]:before{background-color:#000;border-radius:50%;box-sizing:border-box;content:"";display:block;height:1.75rem;position:absolute;top:-.125rem;width:1.75rem}.ids-likert-item--on-brand[_ngcontent-wch-c10]{color:var(--ids_color_contrast_onBrand_primary)}.ids-likert-item--on-brand.ids-likert-item--selected[_ngcontent-wch-c10] .ids-likert-item__face[_ngcontent-wch-c10]{border-color:var(--ids_color_contrast_onBrand_primary)}.ids-likert-item[_ngcontent-wch-c10]:hover{font:var(--ids_textStyle_f02_s14_h20_wbd)}.ids-likert[_ngcontent-wch-c10]{border:0;color:var(--ids_color_text_body_01);display:block;margin:0;overflow:hidden;padding:0}.ids-likert__list[_ngcontent-wch-c10]{display:flex;justify-content:space-around;margin:var(--ids_size_general_28x) 0}.ids-likert--on-brand[_ngcontent-wch-c10] .ids-label[_ngcontent-wch-c10]{color:var(--ids_color_contrast_onBrand_primary)}.ids-icon[_ngcontent-wch-c10], .ids-icon[_nghost-wch-c10]{align-items:center;color:inherit;display:inline-flex;flex-direction:column;flex-shrink:0;font:var(--ids_textStyle_icon_medium);font-feature-settings:"liga";-webkit-font-smoothing:antialiased;font-style:normal;font-variant-ligatures:discretionary-ligatures;justify-content:center;letter-spacing:0;min-height:var(--ids_size_general_24x);min-width:var(--ids_size_general_24x);text-rendering:optimizelegibility;text-transform:initial}.ids-icon--primary[_ngcontent-wch-c10], .ids-icon--primary[_nghost-wch-c10]{color:var(--ids_color_action_primary_base)}.ids-icon--neutral[_ngcontent-wch-c10], .ids-icon--neutral[_nghost-wch-c10]{color:var(--ids_color_action_neutral_base)}.ids-icon--success[_ngcontent-wch-c10], .ids-icon--success[_nghost-wch-c10]{color:var(--ids_color_feedback_success)}.ids-icon--alert[_ngcontent-wch-c10], .ids-icon--alert[_nghost-wch-c10]{color:var(--ids_color_feedback_alert)}.ids-icon--information[_ngcontent-wch-c10], .ids-icon--information[_nghost-wch-c10]{color:var(--ids_color_feedback_information)}.ids-icon--error[_ngcontent-wch-c10], .ids-icon--error[_nghost-wch-c10]{color:var(--ids_color_feedback_error)}.ids-icon--on-brand[_ngcontent-wch-c10], .ids-icon--on-brand[_nghost-wch-c10]{color:var(--ids_color_contrast_onBrand_primary)}.ids-icon--small[_ngcontent-wch-c10], .ids-icon--small[_nghost-wch-c10]{font:var(--ids_textStyle_icon_small);min-height:var(--ids_size_general_16x);min-width:var(--ids_size_general_16x)}.ids-icon--large[_ngcontent-wch-c10], .ids-icon--large[_nghost-wch-c10]{font:var(--ids_textStyle_icon_large);min-height:var(--ids_size_general_32x);min-width:var(--ids_size_general_32x)}.ids-icon--xlarge[_ngcontent-wch-c10], .ids-icon--xlarge[_nghost-wch-c10]{font:var(--ids_textStyle_icon_xLarge);min-height:var(--ids_size_general_48x);min-width:var(--ids_size_general_48x)}.ids-box-field[_ngcontent-wch-c10]{align-items:center;background-color:var(--ids_color_bg_variant_01);border:var(--ids_size_border_small) solid var(--ids_color_border_medium);border-radius:var(--ids_size_cornerRadius_button);color:var(--ids_color_action_neutral_variant);display:flex;min-height:var(--ids_size_general_48x);position:relative}.ids-box-field[_ngcontent-wch-c10] input[_ngcontent-wch-c10]:not(.ids-box-field__input), .ids-box-field__input[_ngcontent-wch-c10]{background-color:transparent;border:0;border-radius:var(--ids_size_cornerRadius_button);caret-color:var(--ids_color_action_primary_base);color:inherit;flex:1;font:var(--ids_textStyle_f02_s16_h24_wrg);outline-offset:var(--ids_size_general_1x);padding:var(--ids_size_general_10x) var(--ids_size_general_16x)}.ids-box-field__prefix[_ngcontent-wch-c10]{left:calc(var(--ids_size_general_16x) + var(--ids_size_border_small));line-height:1;pointer-events:none;position:absolute}.ids-box-field__prefix[_ngcontent-wch-c10] + input[_ngcontent-wch-c10]:not(.ids-box-field__input), .ids-box-field__prefix[_ngcontent-wch-c10] + .ids-box-field__input[_ngcontent-wch-c10]{padding-left:var(--ids_size_general_48x)}.ids-box-field__suffix[_ngcontent-wch-c10]{position:absolute;right:calc(var(--ids_size_general_8x) + var(--ids_size_border_small))}.ids-box-field--on-brand[_ngcontent-wch-c10]{background-color:var(--ids_color_action_neutral_base);border-color:var(--ids_color_contrast_onDark_medium);color:var(--ids_color_contrast_onDark)}.ids-box-field--suffix[_ngcontent-wch-c10] input[_ngcontent-wch-c10]:not(.ids-box-field__input), .ids-box-field--suffix[_ngcontent-wch-c10] .ids-box-field__input[_ngcontent-wch-c10]{padding-right:3.75rem}*[_ngcontent-wch-c10], *[_ngcontent-wch-c10]:before, *[_ngcontent-wch-c10]:after{box-sizing:border-box}input[type=search][_ngcontent-wch-c10]::-ms-clear{display:none;width:0;height:0}input[type=search][_ngcontent-wch-c10]::-ms-reveal{display:none;width:0;height:0}input[type=search][_ngcontent-wch-c10]::-webkit-search-decoration, input[type=search][_ngcontent-wch-c10]::-webkit-search-cancel-button, input[type=search][_ngcontent-wch-c10]::-webkit-search-results-button, input[type=search][_ngcontent-wch-c10]::-webkit-search-results-decoration{display:none}.search__container[_ngcontent-wch-c10]{align-items:center;display:flex;height:100%}.search__container[_ngcontent-wch-c10] .container[_ngcontent-wch-c10]{padding:0;position:relative;flex-direction:column;justify-content:flex-start}.search__container[_ngcontent-wch-c10] .ids-input[_ngcontent-wch-c10]{padding-bottom:0}.search__modal[_ngcontent-wch-c10]{background:var(--blog-color-white);height:100vh;left:0;position:fixed;top:0;width:100%;z-index:9998}@media (min-width: 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Mercado de tech em queda: armadilha ou oportunidade? Nos últimos meses, o mercado de tecnologia nos Estados Unidos sofreu uma queda significativa, com o índice S&P 500 recuando 8% de seus patamares mais altos e o QQQ caindo 11%. O grupo de empresas conhecido como "MAG 7" (as sete gigantes da tecnologia) registrou uma média de retração de 20%, com destaque negativo para a Tesla (TSLA), que teve perdas de cerca de 50%. Diante desse cenário de grandes e rápidos movimentos, muitos investidores nos questionam se essa seria uma oportunidade de compra ou uma armadilha. Este artigo analisa os fatores que levaram a essa correção do mercado, os indicadores de avaliação financeira das principais empresas do setor e as perspectivas para os investidores.
Por Itaú BBA
21 de mar. de 2025
documento_outline 05 minutos de leitura
Salvar artigo para depois O Contexto do mercado
Desde 1928, o S&P 500 apresentou uma média de retorno anual de 10%, apesar de sofrer retrações intra-anuais de até 16% em média. Esse histórico sugere que momentos de correção, como o atual, podem representar oportunidades de compra. No entanto, é fundamental entender os fatores que impulsionaram a queda recente das ações do setor de tecnologia.
Entre os principais fatores que contribuíram para a recente desvalorização estão:
Movimentos técnicos de mercado: Muitas das quedas foram exacerbadas por um grande posicionamento nas empresas de tecnologia americanas. Cenário macroeconômico: Expectativas de taxas de juros mais altas e incertezas econômicas impactaram negativamente as avaliações das empresas de tecnologia. Avaliação das principais empresas de tech
Para compreender melhor o cenário, foram conduzidos exercícios de projeção de taxa interna de retorno (TIR) para um horizonte de três anos, em diferentes cenários:
Cenário Base: Projeta uma mediana de TIR de 17% para as empresas do setor (excluindo NVIDIA), com destaque para AMZN (23%) e META (21%). Cenário Pessimista: Mesmo considerando uma menor taxa de crescimento e múltiplos de saída mais baixos, a mediana do TIR ainda seria de 5%, indicando que os investimentos podem continuar gerando retornos positivos. Cenário Otimista: Em um ambiente favorável, a mediana dos retornos poderia atingir 32%, com GOOGL se destacando com um TIR potencial de 42%. Os dados também indicam que algumas empresas estão sendo negociadas com prêmio ou desconto em relação às suas médias históricas:
Microsoft (MSFT): Atualmente negociada a 26,8x P/E, um desconto de 7% em relação à sua média de 5 anos. Amazon (AMZN): Negociada a 26,8x P/E, um desconto de 36% em relação à sua média de 5 anos. Apple (AAPL): Negociada a 27,7x P/E, um prêmio de 5% em relação à sua média de 5 anos. Oportunidade ou risco?
Os dados sugerem que, apesar da volatilidade, as avaliações do setor de tecnologia estão relativamente atraentes. O atual valuation da maior parte das empresas está em níveis interessantes mesmo no cenário pessimista, onde a mediana do TIR de 3 anos das empresas é de 5%, um retorno semelhante à média histórica do S&P500.
No entanto, os investidores devem considerar alguns riscos:
Cenário macroeconômico adverso: A persistência de juros elevados pode afetar a economia e o crescimento das empresas de tecnologia. Concorrência acirrada: O setor está em constante mudança e algumas empresas podem perder competitividade. Possíveis reações regulatórias: empresas como META e GOOGL enfrentam desafios regulatórios que podem afetar suas projeções de crescimento. Conclusão
A recente correção no setor de tecnologia pode representar uma oportunidade de compra para investidores de longo prazo. Até no cenário mais pessimista a mediana do TIR de 3 anos das empresas está atrativa, e algumas empresas estão sendo negociadas com desconto em relação às suas médias históricas, sugerindo potencial de valorização futura.
Entretanto, é fundamental que investidores avaliem não apenas os preços das ações, mas também o contexto econômico e os desafios específicos de cada empresa. Uma estratégia equilibrada, baseada em análise detalhada e diversificação de portfólio, pode ser a melhor abordagem para navegar no atual cenário de mercado.
Thiago Kapulskis, CNPI - Research Senior Vice-President
Maria Clara Infantozzi, CFA - Research Associate
Nota: Este conteúdo é meramente informativo e não constitui recomendação de investimento. As informações são baseadas em fontes consideradas confiáveis, mas podem não refletir todas as condições de mercado. O Itaú BBA não se responsabiliza por perdas, danos ou opiniões expressas no conteúdo deste e demais canais associados ou proprietários. Investimentos diretos em negócios, renda fixa e/ou variável envolvem alto risco e podem sofrer oscilações devido a fatores políticos e econômicos.