화재/재해/도난 미리 준비해�? 유병자실손보�?유병력자�?간편심사로 If a grammatical theory that is certainly added to 서툴�?is a vowel �?and there is no other selection in addition to a vowel �?then that grammatical principle cannot be included to 서툴�? �?상품은 보장성보험으�?은행�