{"id":4154,"date":"2026-04-14T02:20:04","date_gmt":"2026-04-14T02:20:04","guid":{"rendered":"https:\/\/www.mindulle.kr\/?p=4154"},"modified":"2026-04-14T02:20:04","modified_gmt":"2026-04-14T02:20:04","slug":"%eb%85%b8%ec%9d%b8%ec%9e%a5%ea%b8%b0%ec%9a%94%ec%96%91%eb%b3%b4%ed%97%98-%ed%98%9c%ed%83%9d-%ec%95%8c%ec%95%84%eb%b3%b4%ea%b8%b0-%ec%8b%ac%ec%b8%b5-%ea%b0%80%ec%9d%b4%eb%93%9c-t4-14","status":"publish","type":"post","link":"https:\/\/www.mindulle.kr\/?p=4154","title":{"rendered":"\ub178\uc778\uc7a5\uae30\uc694\uc591\ubcf4\ud5d8 \ud61c\ud0dd \uc54c\uc544\ubcf4\uae30 &#8211; \uc2ec\uce35 \uac00\uc774\ub4dc (T4-14)"},"content":{"rendered":"<p>\uc0ac\ub791\ud558\ub294 \ubd80\ubaa8\ub2d8\uacfc \uc5b4\ub974\uc2e0\ub4e4\uc758 \ud3b8\uc548\ud558\uace0 \uc874\uc5c4\ud55c \ub178\ub144 \uc0dd\ud65c\uc744 \uc704\ud55c \uac00\uc7a5 \ub4e0\ub4e0\ud55c \uc0ac\ud68c \uc548\uc804\ub9dd, \ubc14\ub85c &#8216;\ub178\uc778\uc7a5\uae30\uc694\uc591\ubcf4\ud5d8&#8217;\uc785\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uadf8 \uc911\uc694\uc131\uc5d0 \ube44\ud574 \ubcf5\uc7a1\ud558\uac8c \ub290\uaef4\uc9c0\ub294 \uc6a9\uc5b4\uc640 \uc808\ucc28 \ub54c\ubb38\uc5d0 \ub9c9\ub9c9\ud568\uc744 \ub290\ub07c\uc2dc\ub294 \ubd84\ub4e4\uc774 \ub9ce\uc2b5\ub2c8\ub2e4. &#8216;\ubbfc\ub4e4\ub808 \uc548\uc2ec\ucf00\uc5b4&#8217;\ub294 \uc5b4\ub974\uc2e0\uacfc \uac00\uc871\ubd84\ub4e4\uc758 \uacc1\uc5d0\uc11c \uc774\ub7ec\ud55c \uc5b4\ub824\uc6c0\uc744 \ub35c\uc5b4\ub4dc\ub9ac\uace0, \ub178\uc778\uc7a5\uae30\uc694\uc591\ubcf4\ud5d8\uc758 \ubaa8\ub4e0 \ud61c\ud0dd\uc744 \uc628\uc804\ud788 \ub204\ub9ac\uc2e4 \uc218 \uc788\ub3c4\ub85d \ub3d5\uace0\uc790 \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774 \uc2ec\uce35 \uac00\uc774\ub4dc\ub97c \ud1b5\ud574 \ub178\uc778\uc7a5\uae30\uc694\uc591\ubcf4\ud5d8\uc774 \ubb34\uc5c7\uc778\uc9c0\ubd80\ud130, \uc5b4\ub5a4 \ubd84\ub4e4\uc774 \uc2e0\uccad\ud560 \uc218 \uc788\ub294\uc9c0, \uc5b4\ub5a4 \uc11c\ube44\uc2a4\uc640 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\ub294\uc9c0, \uadf8\ub9ac\uace0 \ubcf5\uc7a1\ud55c \uc2e0\uccad \uc808\ucc28\uae4c\uc9c0 \ud558\ub098\ud558\ub098 \uc790\uc138\ud788 \uc548\ub0b4\ud574 \ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4. \uc0ac\ub791\ud558\ub294 \uc5b4\ub974\uc2e0\uc774 \ub354\uc6b1 \ud589\ubcf5\ud558\uace0 \uc548\uc804\ud55c \uc77c\uc0c1\uc744 \ubcf4\ub0b4\uc2e4 \uc218 \uc788\ub3c4\ub85d, \uc9c0\uae08\ubd80\ud130 \uadf8 \uc5ec\uc815\uc744 \ud568\uaed8 \ub5a0\ub098\ubcf4\uc2e4\uae4c\uc694?<\/p>\n<h2>\ub178\uc778\uc7a5\uae30\uc694\uc591\ubcf4\ud5d8\uc774\ub780 \ubb34\uc5c7\uc77c\uae4c\uc694?<\/h2>\n<p>\ub178\uc778\uc7a5\uae30\uc694\uc591\ubcf4\ud5d8\uc740 \uace0\ub839\uc774\ub098 \ub178\uc778\uc131 \uc9c8\ubcd1\uc73c\ub85c \uc778\ud574 \ud63c\uc790\uc11c \uc77c\uc0c1\uc0dd\ud65c\uc744 \uc218\ud589\ud558\uae30 \uc5b4\ub824\uc6b4 \uc5b4\ub974\uc2e0\ub4e4\uc5d0\uac8c \uc2e0\uccb4\ud65c\ub3d9 \ub610\ub294 \uac00\uc0ac\ud65c\ub3d9 \uc9c0\uc6d0 \ub4f1\uc758 \uc7a5\uae30\uc694\uc591 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uc5ec, \uac00\uc871\uc758 \ubd80\ub2f4\uc744 \ub35c\uace0 \uc5b4\ub974\uc2e0\ub4e4\uc758 \uc0b6\uc758 \uc9c8\uc744 \ud5a5\uc0c1\uc2dc\ud0a4\uae30 \uc704\ud55c \uc0ac\ud68c\ubcf4\ud5d8 \uc81c\ub3c4\uc785\ub2c8\ub2e4. \uad6d\ubbfc\uac74\uac15\ubcf4\ud5d8\uacf5\ub2e8\uc5d0\uc11c \uc6b4\uc601\ud558\uba70, \ubaa8\ub4e0 \uad6d\ubbfc\uc774 \uac74\uac15\ubcf4\ud5d8\ub8cc\uc640 \ud568\uaed8 \uc7a5\uae30\uc694\uc591\ubcf4\ud5d8\ub8cc\ub97c \ub0a9\ubd80\ud558\uc5ec \uc7ac\uc6d0\uc744 \ub9c8\ub828\ud569\ub2c8\ub2e4. \uc774 \uc81c\ub3c4\ub97c \ud1b5\ud574 \uc5b4\ub974\uc2e0\ub4e4\uc740 \ud544\uc694\ud55c \ub3cc\ubd04\uc744 \ubc1b\uc73c\uba74\uc11c \uac00\uc815\uc5d0\uc11c \ub610\ub294 \uc2dc\uc124\uc5d0\uc11c \ud3b8\uc548\ud558\uac8c \uc0dd\ud65c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h2>\ub204\uac00 \ub178\uc778\uc7a5\uae30\uc694\uc591\ubcf4\ud5d8 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\ub098\uc694? (\uc218\uae09 \ub300\uc0c1 \ubc0f \ub4f1\uae09)<\/h2>\n<p>\ub178\uc778\uc7a5\uae30\uc694\uc591\ubcf4\ud5d8 \ud61c\ud0dd\uc740 \ubaa8\ub4e0 \uc5b4\ub974\uc2e0\uc5d0\uac8c \uc8fc\uc5b4\uc9c0\ub294 \uac83\uc740 \uc544\ub2c8\uba70, \uc77c\uc815\ud55c \uc790\uaca9 \uae30\uc900\uacfc \uc808\ucc28\ub97c \ud1b5\ud574 &#8216;\uc7a5\uae30\uc694\uc591 \ub4f1\uae09&#8217;\uc744 \uc778\uc815\ubc1b\uc544\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<h3>1. \uc218\uae09 \ub300\uc0c1<\/h3>\n<ul>\n<li><strong>\ub9cc 65\uc138 \uc774\uc0c1 \uc5b4\ub974\uc2e0:<\/strong> \uc2e0\uccb4\ud65c\ub3d9\uc774\ub098 \uac00\uc0ac\ud65c\ub3d9\uc5d0 \uc5b4\ub824\uc6c0\uc744 \uacaa\uc5b4 6\uac1c\uc6d4 \uc774\uc0c1 \ud63c\uc790 \uc77c\uc0c1\uc0dd\ud65c\uc744 \uc218\ud589\ud558\uae30 \uc5b4\ub824\uc6b4 \ubd84.<\/li>\n<li><strong>\ub9cc 65\uc138 \ubbf8\ub9cc \uc5b4\ub974\uc2e0:<\/strong> \uce58\ub9e4, \ub1cc\ud608\uad00 \uc9c8\ud658, \ud30c\ud0a8\uc2a8\ubcd1 \ub4f1 \ub300\ud1b5\ub839\ub839\uc73c\ub85c \uc815\ud558\ub294 \ub178\uc778\uc131 \uc9c8\ubcd1\uc744 \uac00\uc9c0\uace0 \uacc4\uc2e0 \ubd84\uc73c\ub85c, 6\uac1c\uc6d4 \uc774\uc0c1 \ud63c\uc790 \uc77c\uc0c1\uc0dd\ud65c\uc744 \uc218\ud589\ud558\uae30 \uc5b4\ub824\uc6b4 \ubd84.<\/li>\n<\/ul>\n<p>\ub2e8\uc21c\ud788 \ub098\uc774 \uae30\uc900\uc744 \ucda9\uc871\ud558\ub294 \uac83 \uc678\uc5d0, <strong>&#8216;\uc77c\uc0c1\uc0dd\ud65c \uc218\ud589 \ub2a5\ub825 \ud3c9\uac00&#8217;<\/strong>\ub97c \ud1b5\ud574 \uc7a5\uae30\uc694\uc591 \ud544\uc694\uc131\uc774 \uc778\uc815\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<h3>2. \uc7a5\uae30\uc694\uc591 \ub4f1\uae09 (\uc7a5\uae30\uc694\uc591\uc778\uc815 \ub4f1\uae09)<\/h3>\n<p>\uc7a5\uae30\uc694\uc591 \ub4f1\uae09\uc740 \uc5b4\ub974\uc2e0\uc758 \uc2e0\uccb4 \ubc0f \uc778\uc9c0 \uae30\ub2a5 \uc0c1\ud0dc, \ud589\ub3d9 \ubcc0\ud654, \uac04\ud638 \ucc98\uce58 \ud544\uc694\uc131 \ub4f1\uc744 \uc885\ud569\uc801\uc73c\ub85c \ud3c9\uac00\ud558\uc5ec \uacb0\uc815\ub429\ub2c8\ub2e4. \ub4f1\uae09\uc5d0 \ub530\ub77c \uc774\uc6a9\ud560 \uc218 \uc788\ub294 \uc11c\ube44\uc2a4\uc758 \uc885\ub958\uc640 \ubc94\uc704, \uc6d4\ubcc4 \ud55c\ub3c4\uc561\uc774 \ub2ec\ub77c\uc9c0\ubbc0\ub85c \ub9e4\uc6b0 \uc911\uc694\ud55c \uacfc\uc815\uc785\ub2c8\ub2e4.<\/p>\n<ul>\n<li><strong>1\ub4f1\uae09:<\/strong> \uc640\uc0c1 \uc0c1\ud0dc\ub85c \uac70\uc758 \ubaa8\ub4e0 \uc77c\uc0c1\uc0dd\ud65c\uc744 \ub2e4\ub978 \uc0ac\ub78c\uc758 \uc804\uc801\uc778 \ub3c4\uc6c0\uc774 \ud544\uc694\ud55c \ubd84.<\/li>\n<li><strong>2\ub4f1\uae09:<\/strong> \uce68\ub300\uc5d0\uc11c \ubc97\uc5b4\ub098\uac70\ub098 \uc2dd\uc0ac\ud558\ub294 \ub4f1 \ubd80\ubd84\uc801\uc73c\ub85c \ub2e4\ub978 \uc0ac\ub78c\uc758 \ub3c4\uc6c0\uc774 \ud544\uc694\ud55c \ubd84.<\/li>\n<li><strong>3\ub4f1\uae09:<\/strong> \uc2dd\uc0ac, \uc637 \uc785\uae30 \ub4f1 \uc0c1\ub2f9 \ubd80\ubd84 \ub2e4\ub978 \uc0ac\ub78c\uc758 \ub3c4\uc6c0\uc774 \ud544\uc694\ud55c \ubd84.<\/li>\n<li><strong>4\ub4f1\uae09:<\/strong> \ud654\uc7a5\uc2e4 \uc774\uc6a9, \ubaa9\uc695 \ub4f1 \uc77c\uc815 \ubd80\ubd84 \ub2e4\ub978 \uc0ac\ub78c\uc758 \ub3c4\uc6c0\uc774 \ud544\uc694\ud55c \ubd84.<\/li>\n<li><strong>5\ub4f1\uae09:<\/strong> \uce58\ub9e4 \uc5b4\ub974\uc2e0\uc73c\ub85c, \ub2e4\ub978 \ub4f1\uae09\uc5d0\ub294 \ud574\ub2f9\ud558\uc9c0 \uc54a\uc73c\ub098 \uc778\uc9c0 \uae30\ub2a5 \uc800\ud558\ub85c \uc77c\uc0c1\uc0dd\ud65c\uc5d0 \uc5b4\ub824\uc6c0\uc744 \uacaa\ub294 \ubd84.<\/li>\n<li><strong>\uc778\uc9c0\uc9c0\uc6d0\ub4f1\uae09:<\/strong> \uce58\ub9e4 \uc5b4\ub974\uc2e0\uc73c\ub85c, \uc7a5\uae30\uc694\uc591 \ub4f1\uae09\uc740 \ubc1b\uc9c0 \ubabb\ud558\uc600\uc73c\ub098 \uc778\uc9c0 \uae30\ub2a5\uc774 \uc800\ud558\ub418\uc5b4 \uc778\uc9c0\ud65c\ub3d9\ud615 \ubc29\ubb38\uc694\uc591 \ub610\ub294 \uc8fc\uc57c\uac04\ubcf4\ud638 \uc11c\ube44\uc2a4\ub97c \uc774\uc6a9\ud558\uc2e4 \uc218 \uc788\ub294 \ubd84.<\/li>\n<\/ul>\n<h2>\ub178\uc778\uc7a5\uae30\uc694\uc591\ubcf4\ud5d8\uc758 \uc8fc\uc694 \ud61c\ud0dd \ubc0f \uc11c\ube44\uc2a4 \uc54c\uc544\ubcf4\uae30<\/h2>\n<p>\uc7a5\uae30\uc694\uc591 \ub4f1\uae09\uc744 \ubc1b\uc73c\uc2e0 \uc5b4\ub974\uc2e0\ub4e4\uc740 \ud06c\uac8c \uc138 \uac00\uc9c0 \ud615\ud0dc\uc758 \uae09\uc5ec(\uc11c\ube44\uc2a4)\ub97c \uc774\uc6a9\ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h3>1. \uc7ac\uac00\uae09\uc5ec (\uac00\uc815\uc5d0\uc11c \ubc1b\ub294 \ub3cc\ubd04 \uc11c\ube44\uc2a4)<\/h3>\n<p>\uc5b4\ub974\uc2e0\uc774 \uc0b4\ub358 \uc9d1\uc5d0\uc11c \ud3b8\uc548\ud558\uac8c \uc9c0\ub0b4\uc2dc\uba74\uc11c \ub3cc\ubd04\uc744 \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud558\ub294 \uc11c\ube44\uc2a4\ub85c, \uac00\uc7a5 \ub9ce\uc740 \ubd84\ub4e4\uc774 \uc774\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n<ul>\n<li><strong>\ubc29\ubb38\uc694\uc591:<\/strong> \uc694\uc591\ubcf4\ud638\uc0ac\uac00 \uac00\uc815\uc744 \ubc29\ubb38\ud558\uc5ec \uc2e0\uccb4\ud65c\ub3d9 \uc9c0\uc6d0(\uc138\uba74, \uc2dd\uc0ac \ub3c4\uc6c0, \ubab8 \ub2e6\uc544\ub4dc\ub9ac\uae30 \ub4f1) \ubc0f \uac00\uc0ac\ud65c\ub3d9 \uc9c0\uc6d0(\uccad\uc18c, \uc138\ud0c1, \uc7a5\ubcf4\uae30 \ub4f1)\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc5b4\ub974\uc2e0\uc758 \uc77c\uc0c1\uc0dd\ud65c\uc744 \ub3d5\uace0 \ub9d0\ubc97\uc774 \ub418\uc5b4 \ub4dc\ub9ac\ub294 \ub4f1 \uc815\uc11c\uc801 \uc9c0\uc9c0\ub3c4 \uc911\uc694\ud55c \ubd80\ubd84\uc785\ub2c8\ub2e4.<\/li>\n<li><strong>\ubc29\ubb38\ubaa9\uc695:<\/strong> \uc694\uc591\ubcf4\ud638\uc0ac\uac00 \uac00\uc815\uc744 \ubc29\ubb38\ud558\uc5ec \ubaa9\uc695 \uc7a5\ube44\ub97c \uc774\uc6a9\ud558\uc5ec \uc548\uc804\ud558\uace0 \ud3b8\uc548\ud558\uac8c \ubaa9\uc695\uc744 \ub3c4\uc640\ub4dc\ub9bd\ub2c8\ub2e4.<\/li>\n<li><strong>\ubc29\ubb38\uac04\ud638:<\/strong> \uac04\ud638\uc0ac \ub610\ub294 \uac04\ud638\uc870\ubb34\uc0ac\uac00 \uac00\uc815\uc744 \ubc29\ubb38\ud558\uc5ec \uc758\uc0ac\uc758 \uc9c0\uc2dc\uc5d0 \ub530\ub77c \uac04\ud638, \uc9c4\ub8cc\uc758 \ubcf4\uc870, \uc694\uc591 \uc0c1\ub2f4 \ub4f1\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc0c1\ucc98 \uc18c\ub3c5, \ud22c\uc57d \uad00\ub9ac, \ud608\ub2f9 \uce21\uc815 \ub4f1 \uc804\ubb38\uc801\uc778 \uac74\uac15 \uad00\ub9ac\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uc8fc\uc57c\uac04\ubcf4\ud638:<\/strong> \uc5b4\ub974\uc2e0\uc744 \uc77c\uc815 \uc2dc\uac04(\ub0ae \ub610\ub294 \ubc24) \ub3d9\uc548 \uc7a5\uae30\uc694\uc591\uae30\uad00\uc5d0 \ubaa8\uc2dc\uace0, \ub2e4\uc591\ud55c \ud504\ub85c\uadf8\ub7a8\uc744 \ud1b5\ud574 \uc2e0\uccb4\ud65c\ub3d9 \ubc0f \uc778\uc9c0\ud65c\ub3d9 \ud6c8\ub828, \uc2dd\uc0ac \ubc0f \ubaa9\uc695 \ub4f1 \ub3cc\ubd04 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uac00\uc871\uc758 \uc77c\uc2dc\uc801\uc778 \ub3cc\ubd04 \ubd80\ub2f4\uc744 \ub35c\uc5b4\uc8fc\uace0 \uc5b4\ub974\uc2e0\uc5d0\uac8c\ub294 \uc0ac\ud68c\uc801 \uad50\ub958\uc758 \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\ub2e8\uae30\ubcf4\ud638:<\/strong> \uc5b4\ub974\uc2e0\uc744 \uc77c\uc815 \uae30\uac04(1\uc77c \uc774\uc0c1 9\uc77c \uc774\ub0b4) \uc7a5\uae30\uc694\uc591\uae30\uad00\uc5d0 \uc785\uc18c\uc2dc\ucf1c \uc2e0\uccb4\ud65c\ub3d9 \uc9c0\uc6d0 \ubc0f \uc2ec\uc2e0 \uae30\ub2a5 \ud5a5\uc0c1\uc744 \uc704\ud55c \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uac00\uc871\uc774 \uc5ec\ud589\uc744 \uac00\uac70\ub098 \uae09\ud55c \uc77c\uc774 \uc0dd\uacbc\uc744 \ub54c \uc548\uc2ec\ud558\uace0 \uc5b4\ub974\uc2e0\uc744 \ub9e1\uae38 \uc218 \uc788\ub294 &#8216;\uc9e7\uc740 \ud734\uc2dd&#8217;\uc758 \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\ubcf5\uc9c0\uc6a9\uad6c:<\/strong> \uc5b4\ub974\uc2e0\uc758 \uc2e0\uccb4 \uae30\ub2a5\uc744 \ubcf4\uc644\ud558\uace0 \ud3b8\uc758\ub97c \uc99d\uc9c4\ud558\uba70 \uc548\uc804\uc744 \ub3d5\ub294 \ubcf4\uc870\uae30\uad6c(\uc218\ub3d9\ud720\uccb4\uc5b4, \uc804\ub3d9\uce68\ub300, \uc774\ub3d9\ubcc0\uae30, \ubcf4\ud589 \ubcf4\uc870\ucc28 \ub4f1)\ub97c \uad6c\uc785\ud558\uac70\ub098 \ub300\uc5ec\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h3>2. \uc2dc\uc124\uae09\uc5ec (\uc694\uc591\uc2dc\uc124 \uc785\uc18c \uc11c\ube44\uc2a4)<\/h3>\n<p>\uac00\uc815\uc5d0\uc11c \ub3cc\ubd04\uc744 \ubc1b\uae30 \uc5b4\ub835\uac70\ub098 24\uc2dc\uac04 \uc804\ubb38\uc801\uc778 \ub3cc\ubd04\uc774 \ud544\uc694\ud55c \uc5b4\ub974\uc2e0\uc774 \uc7a5\uae30\uc694\uc591\uae30\uad00\uc5d0 \uc785\uc18c\ud558\uc5ec \uc0dd\ud65c\ud558\uba70 \ub3cc\ubd04\uc744 \ubc1b\ub294 \uc11c\ube44\uc2a4\uc785\ub2c8\ub2e4.<\/p>\n<ul>\n<li><strong>\ub178\uc778\uc694\uc591\uc2dc\uc124:<\/strong> \uc8fc\ub85c 10\uc778 \uc774\uc0c1\uc758 \uc5b4\ub974\uc2e0\uc774 \uc785\uc18c\ud558\uc5ec \uc0dd\ud65c\ud558\uba74\uc11c \uae09\uc2dd, \uc694\uc591, \uc77c\uc0c1\uc0dd\ud65c \uc11c\ube44\uc2a4 \ubc0f \uac74\uac15 \uad00\ub9ac\ub97c \ubc1b\ub294 \uc2dc\uc124\uc785\ub2c8\ub2e4.<\/li>\n<li><strong>\ub178\uc778\uc694\uc591\uacf5\ub3d9\uc0dd\ud65c\uac00\uc815:<\/strong> 5\uc778 \uc774\uc0c1 9\uc778 \uc774\ud558\uc758 \uc18c\uaddc\ubaa8 \uadf8\ub8f9 \ud648 \ud615\ud0dc\ub85c, \uac00\uc815\uacfc \uac19\uc740 \ud658\uacbd\uc5d0\uc11c \uc0dd\ud65c\ud558\uba70 \uc694\uc591 \uc11c\ube44\uc2a4\ub97c \ubc1b\ub294 \uc2dc\uc124\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h3>3. \ud2b9\ubcc4\ud604\uae08\uae09\uc5ec (\ud604\uae08\uc73c\ub85c \uc9c0\uae09\ub418\ub294 \uae09\uc5ec)<\/h3>\n<p>\uae09\uc5ec \uc885\ub958 \uc911 \ud2b9\uc815 \uc0c1\ud669\uc5d0 \ud574\ub2f9\ud558\ub294 \uc5b4\ub974\uc2e0\uc5d0\uac8c \ud604\uae08\uc744 \uc9c0\uae09\ud558\uc5ec \uc694\uc591 \uc11c\ube44\uc2a4\ub97c \uc774\uc6a9\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\ub294 \uc81c\ub3c4\uc785\ub2c8\ub2e4.<\/p>\n<ul>\n<li><strong>\uac00\uc871\uc694\uc591\ube44:<\/strong> \ub3c4\uc11c\u00b7\ubcbd\uc9c0 \ub4f1 \uc7a5\uae30\uc694\uc591\uae30\uad00\uc774 \ubd80\uc871\ud55c \uc9c0\uc5ed\uc5d0 \uac70\uc8fc\ud558\uac70\ub098, \ucc9c\uc7ac\uc9c0\ubcc0 \ub610\ub294 \uc2e0\uccb4\u00b7\uc815\uc2e0\u00b7\uc131\uaca9 \ub4f1\uc758 \uc0ac\uc720\ub85c \uc7a5\uae30\uc694\uc591\uae30\uad00 \uc774\uc6a9\uc774 \uc5b4\ub835\ub2e4\uace0 \ud310\ub2e8\ub420 \ub54c, \uac00\uc871\uc73c\ub85c\ubd80\ud130 \uc694\uc591\uc744 \ubc1b\ub294 \uacbd\uc6b0 \uac00\uc871\uc5d0\uac8c \uc9c0\uae09\ud558\ub294 \ud604\uae08 \uae09\uc5ec\uc785\ub2c8\ub2e4.<\/li>\n<li><strong>\ud2b9\ub840\uc694\uc591\ube44 \ubc0f \uc694\uc591\ubcd1\uc6d0\uac04\ubcd1\ube44:<\/strong> \ub9e4\uc6b0 \uc81c\ud55c\uc801\uc778 \uacbd\uc6b0\uc5d0 \uc801\uc6a9\ub418\ub294 \uae09\uc5ec\ub85c, \uc7a5\uae30\uc694\uc591\uae30\uad00\uc774 \uc544\ub2cc \uc694\uc591\ubcd1\uc6d0 \ub4f1\uc5d0\uc11c \uc7a5\uae30\uc694\uc591\uc5d0 \uc0c1\ub2f9\ud558\ub294 \uc11c\ube44\uc2a4\ub97c \ubc1b\ub294 \uacbd\uc6b0 \uc9c0\uae09\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. (\uc77c\ubc18\uc801\uc778 \uac04\ubcd1\ube44\uc640\ub294 \ub2e4\ub985\ub2c8\ub2e4.)<\/li>\n<\/ul>\n<h2>\ubcf8\uc778\ubd80\ub2f4\uae08\uc740 \uc5bc\ub9c8\ub098 \ub418\ub098\uc694?<\/h2>\n<p>\ub178\uc778\uc7a5\uae30\uc694\uc591\ubcf4\ud5d8\uc740 \uad6d\uac00\uac00 \ub300\ubd80\ubd84\uc758 \ube44\uc6a9\uc744 \uc9c0\uc6d0\ud558\uc9c0\ub9cc, \uc5b4\ub974\uc2e0\uc774\ub098 \uac00\uc871\uc774 \uc77c\ubd80\ub97c \ubd80\ub2f4\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub97c \ubcf8\uc778\ubd80\ub2f4\uae08\uc774\ub77c\uace0 \ud569\ub2c8\ub2e4.<\/p>\n<ul>\n<li><strong>\uc7ac\uac00\uae09\uc5ec \uc774\uc6a9 \uc2dc:<\/strong> \ucd1d \uae09\uc5ec\ube44\uc6a9\uc758 15%\ub97c \ubcf8\uc778\uc774 \ubd80\ub2f4\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uc2dc\uc124\uae09\uc5ec \uc774\uc6a9 \uc2dc:<\/strong> \ucd1d \uae09\uc5ec\ube44\uc6a9\uc758 20%\ub97c \ubcf8\uc778\uc774 \ubd80\ub2f4\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h3>\ubcf8\uc778\ubd80\ub2f4\uae08 \uacbd\uac10 \ud61c\ud0dd<\/h3>\n<p>\uc18c\ub4dd \uc218\uc900\uc5d0 \ub530\ub77c \ubcf8\uc778\ubd80\ub2f4\uae08\uc744 \uacbd\uac10\ubc1b\uc744 \uc218 \uc788\ub294 \uc81c\ub3c4\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<ul>\n<li><strong>\uc758\ub8cc\uae09\uc5ec \uc218\uae09\uad8c\uc790:<\/strong> \ubcf8\uc778\ubd80\ub2f4\uae08 \uba74\uc81c (0%)<\/li>\n<li><strong>\ucc28\uc0c1\uc704\uacc4\uce35, \uc18c\ub4dd\uc774 \ub0ae\uc740 \uac74\uac15\ubcf4\ud5d8 \uac00\uc785\uc790:<\/strong> 6% \ub610\ub294 9% (\uc7ac\uac00), 8% \ub610\ub294 12% (\uc2dc\uc124) \ub4f1\uc73c\ub85c \uacbd\uac10<\/li>\n<\/ul>\n<p>\uc18c\ub4dd \uc218\uc900\uc5d0 \ub530\ub77c \uc9c0\uc6d0\ub418\ub294 \ube44\uc728\uc774 \ub2e4\ub974\ubbc0\ub85c, \ud574\ub2f9 \uc5ec\ubd80\ub97c \ud655\uc778\ud558\uc2dc\uace0 \uc801\uadf9\uc801\uc73c\ub85c \uc2e0\uccad\ud558\uc2dc\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. &#8216;\ubbfc\ub4e4\ub808 \uc548\uc2ec\ucf00\uc5b4&#8217;\ub294 \uc774\ub7ec\ud55c \ubcf8\uc778\ubd80\ub2f4\uae08 \uacbd\uac10 \ud61c\ud0dd\uc5d0 \ub300\ud574\uc11c\ub3c4 \uc0c1\uc138\ud788 \uc548\ub0b4\ud574 \ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n<h2>\ub178\uc778\uc7a5\uae30\uc694\uc591\ubcf4\ud5d8 \uc2e0\uccad \ubc29\ubc95 \ubc0f \uc808\ucc28<\/h2>\n<p>\ub178\uc778\uc7a5\uae30\uc694\uc591\ubcf4\ud5d8 \ud61c\ud0dd\uc744 \ubc1b\uae30 \uc704\ud55c \uacfc\uc815\uc740 \ud06c\uac8c 5\ub2e8\uacc4\ub85c \uc774\ub8e8\uc5b4\uc9d1\ub2c8\ub2e4.<\/p>\n<h3>1. \uc7a5\uae30\uc694\uc591\uc778\uc815 \uc2e0\uccad<\/h3>\n<ul>\n<li><strong>\uc2e0\uccad \uc790\uaca9:<\/strong> \ub9cc 65\uc138 \uc774\uc0c1 \uc5b4\ub974\uc2e0 \ub610\ub294 \ub9cc 65\uc138 \ubbf8\ub9cc \ub178\uc778\uc131 \uc9c8\ubcd1\uc744 \uac00\uc9c4 \uc5b4\ub974\uc2e0\uc758 \ubcf8\uc778, \uac00\uc871, \uc0ac\ud68c\ubcf5\uc9c0\uc804\ub2f4\uacf5\ubb34\uc6d0 \ub4f1\uc774 \uc2e0\uccad\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\uc2e0\uccad \uc7a5\uc18c:<\/strong> \uc804\uad6d \uad6d\ubbfc\uac74\uac15\ubcf4\ud5d8\uacf5\ub2e8 \uc9c0\uc0ac \ubc29\ubb38, \uc6b0\ud3b8, \ud329\uc2a4 \ub610\ub294 \uc628\ub77c\uc778(\ub178\uc778\uc7a5\uae30\uc694\uc591\ubcf4\ud5d8 \ud648\ud398\uc774\uc9c0)\uc744 \ud1b5\ud574 \uc2e0\uccad\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\uc81c\ucd9c \uc11c\ub958:<\/strong> \uc7a5\uae30\uc694\uc591\uc778\uc815\uc2e0\uccad\uc11c, \uc758\uc0ac\uc18c\uacac\uc11c \ub4f1 (\uc0c1\ud669\uc5d0 \ub530\ub77c \ucd94\uac00 \uc11c\ub958 \uc694\uccad \uac00\ub2a5)<\/li>\n<\/ul>\n<h3>2. \ubc29\ubb38 \uc870\uc0ac<\/h3>\n<p>\uc2e0\uccad \uc811\uc218 \ud6c4, \uad6d\ubbfc\uac74\uac15\ubcf4\ud5d8\uacf5\ub2e8 \uc9c1\uc6d0\uc774 \uc5b4\ub974\uc2e0\uc758 \uac00\uc815\uc744 \ubc29\ubb38\ud558\uc5ec \uc2e0\uccb4 \ubc0f \uc778\uc9c0 \uae30\ub2a5 \uc0c1\ud0dc, \ud589\ub3d9 \ubcc0\ud654, \uac04\ud638 \ucc98\uce58 \ud544\uc694\uc131, \uc7ac\ud65c \uc601\uc5ed \ub4f1\uc744 \uc870\uc0ac\ud569\ub2c8\ub2e4. \uc774 \uc870\uc0ac\ub97c \ubc14\ud0d5\uc73c\ub85c \uc5b4\ub974\uc2e0\uc758 \uc7a5\uae30\uc694\uc591 \ud544\uc694\uc131\uc744 \ud3c9\uac00\ud569\ub2c8\ub2e4.<\/p>\n<h3>3. \ub4f1\uae09\ud310\uc815\uc704\uc6d0\ud68c \uc2ec\uc758 \ubc0f \ub4f1\uae09 \ud310\uc815<\/h3>\n<p>\ubc29\ubb38 \uc870\uc0ac \uacb0\uacfc\uc640 \uc758\uc0ac\uc18c\uacac\uc11c \ub4f1\uc744 \ubc14\ud0d5\uc73c\ub85c &#8216;\uc7a5\uae30\uc694\uc591 \ub4f1\uae09\ud310\uc815\uc704\uc6d0\ud68c&#8217;\uc5d0\uc11c \uc2ec\uc758\ud558\uc5ec \uc7a5\uae30\uc694\uc591 \ub4f1\uae09\uc744 \ucd5c\uc885 \ud310\uc815\ud569\ub2c8\ub2e4. \ubcf4\ud1b5 \uc2e0\uccad\uc77c\ub85c\ubd80\ud130 30\uc77c \uc774\ub0b4\uc5d0 \ud310\uc815\uc774 \uc644\ub8cc\ub429\ub2c8\ub2e4.<\/p>\n<h3>4. \uacb0\uacfc \ud1b5\ubcf4 \ubc0f \uc7a5\uae30\uc694\uc591\uc778\uc815\uc11c \uc218\ub839<\/h3>\n<p>\ub4f1\uae09 \ud310\uc815 \uacb0\uacfc\ub294 \uc6b0\ud3b8\uc73c\ub85c \ud1b5\ubcf4\ub418\uba70, \ub4f1\uae09\uc5d0 \ub530\ub77c &#8216;\uc7a5\uae30\uc694\uc591\uc778\uc815\uc11c&#8217;\uc640 &#8216;\ud45c\uc900\uc7a5\uae30\uc694\uc591\uc774\uc6a9\uacc4\ud68d\uc11c&#8217;\ub97c \ubc1b\uac8c \ub429\ub2c8\ub2e4. \uc774 \uc11c\ub958\ub294 \uc7a5\uae30\uc694\uc591 \uc11c\ube44\uc2a4\ub97c \uc774\uc6a9\ud560 \ub54c \ud544\uc694\ud55c \uc911\uc694\ud55c \ubb38\uc11c\uc774\ubbc0\ub85c \uc798 \ubcf4\uad00\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<h3>5. \uc7a5\uae30\uc694\uc591 \uc11c\ube44\uc2a4 \uc774\uc6a9<\/h3>\n<p>\ubc1b\uc73c\uc2e0 &#8216;\ud45c\uc900\uc7a5\uae30\uc694\uc591\uc774\uc6a9\uacc4\ud68d\uc11c&#8217;\ub97c \ubc14\ud0d5\uc73c\ub85c \uc5b4\ub974\uc2e0\uc5d0\uac8c \uc801\ud569\ud55c \uc7a5\uae30\uc694\uc591\uae30\uad00(\ubc29\ubb38\uc694\uc591, \uc8fc\uc57c\uac04\ubcf4\ud638 \ub4f1)\uc744 \uc120\ud0dd\ud558\uace0, \uc11c\ube44\uc2a4 \uacc4\uc57d\uc744 \uccb4\uacb0\ud558\uc5ec \uc7a5\uae30\uc694\uc591 \uc11c\ube44\uc2a4\ub97c \uc774\uc6a9\ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub54c &#8216;\ubbfc\ub4e4\ub808 \uc548\uc2ec\ucf00\uc5b4&#8217;\uc640 \uac19\uc740 \uc804\ubb38 \uae30\uad00\uc758 \ub3c4\uc6c0\uc744 \ubc1b\uc544 \uc5b4\ub974\uc2e0\uc5d0\uac8c \uac00\uc7a5 \uc801\ud569\ud55c \uc11c\ube44\uc2a4\ub97c \uacc4\ud68d\ud558\uace0 \uae30\uad00\uc744 \uc120\ud0dd\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<h2>\ubbfc\ub4e4\ub808 \uc548\uc2ec\ucf00\uc5b4\uc640 \ud568\uaed8\ud558\ub294 \uc7a5\uae30\uc694\uc591 \uc11c\ube44\uc2a4<\/h2>\n<p>\ub178\uc778\uc7a5\uae30\uc694\uc591\ubcf4\ud5d8 \uc81c\ub3c4\ub294 \uc5b4\ub974\uc2e0\ub4e4\uc758 \uc0b6\uc5d0 \ucee4\ub2e4\ub780 \ube5b\uc744 \uc120\ubb3c\ud558\ub294 \ub4e0\ub4e0\ud55c \ubc84\ud300\ubaa9\uc785\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ubcf5\uc7a1\ud55c \uc808\ucc28\uc640 \ub2e4\uc591\ud55c \uc11c\ube44\uc2a4 \uc885\ub958 \uc55e\uc5d0\uc11c \uc5b4\ub5a4 \uac83\uc774 \uc6b0\ub9ac \uc5b4\ub974\uc2e0\uaed8 \uac00\uc7a5 \uc88b\uc744\uc9c0 \uace0\ubbfc\ud558\ub294 \uac00\uc871\ubd84\ub4e4\uc774 \ub9ce\uc73c\uc2e4 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>&#8216;\ubbfc\ub4e4\ub808 \uc548\uc2ec\ucf00\uc5b4&#8217;\ub294 \uc774\ub7ec\ud55c \ubaa8\ub4e0 \uacfc\uc815\uc744 \uc5b4\ub974\uc2e0\uacfc \uac00\uc871\ubd84\ub4e4\uc758 \uc785\uc7a5\uc5d0\uc11c \ud568\uaed8 \uace0\ubbfc\ud558\uace0 \ud574\uacb0\ud574 \ub4dc\ub9ac\ub294 <strong>\ub4e0\ub4e0\ud55c \ud30c\ud2b8\ub108<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n<ul>\n<li><strong>\ub9de\ucda4\ud615 \uc0c1\ub2f4:<\/strong> \uc5b4\ub974\uc2e0\uc758 \uac74\uac15 \uc0c1\ud0dc\uc640 \uc0dd\ud65c \ud658\uacbd, \uac00\uc871\uc758 \uc0c1\ud669\uc744 \uba74\ubc00\ud788 \ubd84\uc11d\ud558\uc5ec \ucd5c\uc801\uc758 \uc7a5\uae30\uc694\uc591 \uc11c\ube44\uc2a4 \uacc4\ud68d\uc744 \uc218\ub9bd\ud574 \ub4dc\ub9bd\ub2c8\ub2e4.<\/li>\n<li><strong>\ubcf5\uc7a1\ud55c \uc808\ucc28 \uc9c0\uc6d0:<\/strong> \uc7a5\uae30\uc694\uc591\uc778\uc815 \uc2e0\uccad\ubd80\ud130 \ub4f1\uae09 \ud310\uc815, \uadf8\ub9ac\uace0 \uc801\ud569\ud55c \uae30\uad00 \uc5f0\uacc4\uae4c\uc9c0 \ubaa8\ub4e0 \uacfc\uc815\uc744 \uc606\uc5d0\uc11c \uaf3c\uaf3c\ud558\uac8c \ub3c4\uc640\ub4dc\ub9bd\ub2c8\ub2e4.<\/li>\n<li><strong>\ucd5c\uace0\uc758 \uc804\ubb38 \uc778\ub825:<\/strong> \uce5c\uc808\ud558\uace0 \uc804\ubb38\uc801\uc778 \uc694\uc591\ubcf4\ud638\uc0ac, \uac04\ud638\uc0ac \ub4f1 \uc219\ub828\ub41c \ub3cc\ubd04 \uc778\ub825\uc744 \ud1b5\ud574 \uc5b4\ub974\uc2e0\uaed8 \ub530\ub73b\ud558\uace0 \uc9c8 \ub192\uc740 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uc548\uc2ec\ud560 \uc218 \uc788\ub294 \uad00\ub9ac:<\/strong> \uc815\uae30\uc801\uc778 \ubaa8\ub2c8\ud130\ub9c1\uacfc \ud53c\ub4dc\ubc31\uc744 \ud1b5\ud574 \uc11c\ube44\uc2a4\uc758 \uc9c8\uc744 \uc720\uc9c0\ud558\uace0, \uc5b4\ub974\uc2e0\uacfc \uac00\uc871\uc758 \ub9cc\uc871\ub3c4\ub97c \ucd5c\uc6b0\uc120\uc73c\ub85c \uc0dd\uac01\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h2>\uc5b4\ub974\uc2e0\uc758 \ube5b\ub098\ub294 \ub178\ub144\uc744 \uc704\ud574, \uc9c0\uae08 \ubc14\ub85c \ubb38\uc758\ud558\uc138\uc694!<\/h2>\n<p>\ub178\uc778\uc7a5\uae30\uc694\uc591\ubcf4\ud5d8\uc740 \uc5b4\ub974\uc2e0\ub4e4\uc758 \uac74\uac15\ud558\uace0 \ud589\ubcf5\ud55c 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\uacc1\uc5d0\uc11c \uc774\ub7ec\ud55c \uc5b4\ub824\uc6c0\uc744 \ub35c\uc5b4\ub4dc\ub9ac\uace0, \ub178\uc778\uc7a5\uae30\uc694\uc591\ubcf4\ud5d8\uc758 \ubaa8\ub4e0 \ud61c\ud0dd\uc744 \uc628\uc804\ud788 \ub204\ub9ac\uc2e4 \uc218 \uc788\ub3c4\ub85d \ub3d5\uace0\uc790 \ud569\ub2c8\ub2e4. \uc774 \uc2ec\uce35 \uac00\uc774\ub4dc\ub97c \ud1b5\ud574 \ub178\uc778\uc7a5\uae30\uc694\uc591\ubcf4\ud5d8\uc774 \ubb34\uc5c7\uc778\uc9c0\ubd80\ud130, \uc5b4\ub5a4 \ubd84\ub4e4\uc774 \uc2e0\uccad\ud560 \uc218 \uc788\ub294\uc9c0, 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