First Author:   Max Resende Federal University of Santa Catarina max.resende@ufsc.br   Rua São Luis, 1131 ap 308; Santana Porto Alegre, 90620170, Brasil   +5548991372302(Phone) +5548991372302(Fax) Second Author: Alexandre Ferreira Save Advisers LLC alexandre@joinsave.com   Houston, United States