화재/재해/도난 미리 준비해�? 유병자실손보�?유병력자�?간편심사로 If a grammatical basic principle that's additional to 서툴�?is usually a vowel �?and there is no other alternative other than a vowel �?then that grammatical theory can not be included to 서툴�? 상담 간편 전화상담 상품 자