# Knowledge Base - Contexto Familiar
# Consolidação do docs/00_contexto_global/ para consumo automático

family:
  members:
    - name: "Brunella Garcia Bumachar"
      cpf: "80323332749"
      role: "matriarca_administradora"
      residence: "Vila Velha-ES, Brasil"
    
    - name: "Emilio Melhem Bumachar Neto"
      cpf: "10844858773"
      role: "socio_diretor"
      residence: "Vitória-ES, Brasil"
    
    - name: "Gibran Garcia Bumachar"
      cpf: "13204933784"
      role: "socio_diretor"
      residence: "Toronto, Canadá"

objectives:
  - preserve_capital: true
  - moderate_growth: true
  - diversification: true
  - controlled_liquidity: true
  - strong_currency_usd: true

fears:
  - post_liquidity_capital_loss
  - regulatory_tax_risk
  - counterparty_risk
  - execution_risk
  - liquidity_risk

biases:
  - preference_predictability
  - aversion_complexity_without_governance
  - aversion_concentration

hard_constraints:
  - no_communication_spouses
  - subrogation_segregation
  - protection_minors
  - compliance_offshore_bvi

allocation_limits:
  currency:
    brl_max: 0.70
    usd_max: 0.50
    other_max: 0.10
  
  asset_type:
    real_estate_base: true
    offshore_diversification: true
    liquidity_min: 0.05
    liquidity_max: 0.20
  
  counterparty:
    max_per_issuer: 0.20
    max_per_counterparty: 0.15

risk_limits:
  max_loss_per_investment: 0.10
  max_loss_per_year: 0.05
  max_volatility_annual: 0.15
  max_volatility_monthly: 0.05

report_preferences:
  format: "df_fpa"
  frequency:
    operational: "monthly"
    strategic: "quarterly"

structures:
  bni:
    cnpj: "10.517.401/0001-77"
    regime: "lucro_presumido"
    activity: "locacao_imoveis"
  
  offshore:
    jurisdiction: "bvi"
    company_number: "2105067"
    incorporation_date: "2022-08-10"