화재/재해/도난 미리 준비해�? 유병자실손보�?유병력자�?간편심사로If a grammatical principle that may be additional to 서툴�?is really a vowel �?and there is no other selection in addition to a vowel �?then that grammatical principle can not be added to 서툴�?In apply, the word “있다�?can adjust to ano