<<
The text enters the command right there, up to the agreed word.
The here-document feeds the command's input with the lines that follow, up to the line holding only the delimiter. With the delimiter bare, variables and commands expand inside; quoted — << 'END' — the text crosses literal.
The <<- variant strips tabs from the start of each line: the block can follow a script's indentation without carrying it into the text. Tabs only — spaces stay.
$ cat << FIM > bilhete.txt
> ao entrar no formigueiro,
> limpe as antenas.
> FIM
$ cat bilhete.txt
ao entrar no formigueiro,
limpe as antenas.