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화재/재해/도난 미리 준비해�? 유병자실손보�?유병력자�?간편심사로If a grammatical basic principle that is definitely added to 서툴�?is a vowel �?and there's no other alternative apart from a vowel �?then that grammatical basic principle can not be additional to 서툴�?저작자 명시 필수 영리�?사용