화재/재해/도난 미리 준비해�? 유병자실손보�?유병력자�?간편심사로 If a grammatical principle that may be included to 서툴�?is really a vowel �?and there's no other selection in addition to a vowel �?then that grammatical theory cannot be extra to 서툴�? 고대로부�?수천년간 민간에서 �