화재/재해/도난 미리 준비해�? 유병자실손보�?유병력자�?간편심사로 If a grammatical principle which is extra to 서툴�?is a vowel �?and there's no other alternative in addition to a vowel �?then that grammatical principle can't be extra to 서툴�? 주식매입자금대�?금리인하요구권안�?