화재/재해/도난 미리 준비해�? 유병자실손보�?유병력자�?간편심사로 If a grammatical basic principle that is certainly added to 서툴�?is usually a vowel �?and there's no other option besides a vowel �?then that grammatical basic principle can't be added to 서툴�? 상담 간편 전화상담 상품 �