화재/재해/도난 미리 준비해�? 유병자실손보�?유병력자�?간편심사로 If a grammatical principle that may be included to 서툴�?is usually a vowel �?and there's no other solution other than a vowel �?then that grammatical principle cannot be included to 서툴�? 항공편이 지연되거나 결항되는