화재/재해/도난 미리 준비해�? 유병자실손보�?유병력자�?간편심사로 If a grammatical theory which is included to 서툴�?can be a vowel �?and there is no other possibility besides a vowel �?then that grammatical basic principle can not be extra to 서툴�? It is incorrect to incorporate any grammatical principle starting up having a vowel, https://busan-massage1.icu/dSpxHZTkFY-massage/