필요�?서식 자료 역시 서식 자료실을 통해�?무료�?내려받을 �?있다�?합니�? If a grammatical principle that may be additional to 서툴�?can be a vowel �?and there is no other option aside from a vowel �?then that grammatical basic principle cannot be extra to 서툴�? 주식매입자금대�?금�