화재/재해/도난 미리 준비해�? 유병자실손보�?유병력자�?간편심사로 If a grammatical theory that's extra to 서툴�?is usually a vowel �?and there's no other choice besides a vowel �?then that grammatical principle can't be extra to 서툴�? If a grammatical principle that's additional to 서둘�?is a