화재/재해/도난 미리 준비해�? 유병자실손보�?유병력자�?간편심사로 If a grammatical basic principle that may be added to 서툴�?is a vowel �?and there's no other alternative other than a vowel �?then that grammatical principle cannot be additional to 서툴�? 설정�?아이디는 나중�?변경할