๐Ÿง‘๐Ÿผโ€๐Ÿ’ผ Insurance ์ตœ๊ณ ๋ฐฐ๋‹น์ฃผ

๋ฐฐ๋‹น๊ธˆ โ†’ ๐Ÿง‘๐Ÿผโ€๐Ÿ’ผ Insurance

๊ด‘๊ณ ํ•˜๋Š”

์‚ฐ์—…ํ‰๊ท ๋ฐฐ๋‹น๋ฅ : 2.76 %

์ด ๊ทธ๋ฃน ๋‚ด ๊ธฐ์—…์˜ ๋‹จ์ˆœํ‰๊ท ๋ฐฐ๋‹น๋ฅ ๋กœ ์‚ฐ์ถœ๋œ๋‹ค.

ํ‹ฐ์ปค ๊ธฐ์—…๋ช… ๋ฐฐ๋‹น์‹ ๋ขฐ๋„ ๋ฐฐ๋‹น๋ฅ  ์‹œ๊ฐ€์ด์•ก 5๊ฐœ๋…•ํ‰๊ท ์ˆ˜์ต๋ฅ  ์ฃผ๊ฐ€์ˆ˜์ต๋ฅ 
CNA Financial CNA CNA Financial 5.02 % 12 B 8.2 % 9.27
Universal Insurance Holdings UVE Universal Insurance Holdings 4.94 % 489 M 2.9 % 9.56
Mercury General MCY Mercury General 4.80 % 3 B 4.9 % 7.61
Unum Group UNM Unum Group 4.55 % 5 B 3.5 % 6.77
AXIS Capital Holdings AXS AXIS Capital Holdings 3.21 % 4 B 3.2 % 11.55
Horace Mann Educators HMN Horace Mann Educators 3.03 % 2 B 2.9 % 9.99
Aflac AFL Aflac 2.17 % 38 B 2.4 % 8.90
Travelers Companies TRV Travelers Companies 2.15 % 38 B 2.4 % 10.71
Prudential Financial PRU Prudential Financial 4.15 % 40 B 4.1 % 5.78
Fidelity National Financial FNF Fidelity National Financial 3.05 % 14 B 2.8 % 5.40
MetLife MET MetLife 2.90 % 51 B 3.6 % 10.19
RLI RLI RLI 2.68 % 5 B 3.2 % 18.86
First American Financial FAF First American Financial 2.63 % 8 B 3.2 % 6.60
Employers Holdings EIG Employers Holdings 2.47 % 1 B 1.9 % 8.80
Lincoln National LNC Lincoln National 2.32 % 12 B 2.6 % 10.03
Everest Re Group RE Everest Re Group 2.26 % 11 B 2.4 % 10.82
CNO Financial Group CNO CNO Financial Group 2.05 % 3 B 2.1 % 7.01
Hartford Financial Services Group HIG Hartford Financial Services Group 2.00 % 24 B 2.2 % 11.35
FBL Financial Group FFG FBL Financial Group 1.67 % 1 B 4.9 % 14.50
Allstate ALL Allstate 2.82 % 33 B 1.9 % 9.99
Chubb CB Chubb 1.65 % 80 B 2.1 % 9.42
Arthur J. Gallagher & Co AJG Arthur J. Gallagher & Co 1.16 % 34 B 2.4 % 36.56
Reinsurance Group of America RGA Reinsurance Group of America 2.55 % 7 B 1.7 % 12.80
Assurant AIZ Assurant 1.81 % 9 B 2.1 % 6.62
Assured Guaranty AGO Assured Guaranty 1.64 % 4 B 1.9 % 13.74
Marsh & McLennan MMC Marsh & McLennan 1.27 % 84 B 1.7 % 31.01
Primerica PRI Primerica 1.16 % 6 B 1.2 % 14.66
American Equity Investment Life Holding AEL American Equity Investment Life Holding 0.91 % 3 B 1.1 % 4.00
Aon AON Aon 0.75 % 64 B 1.0 % 0.00
Brown & Brown BRO Brown & Brown 0.60 % 18 B 1.0 % 32.03
Manulife Financial MFC Manulife Financial 4.81 % 37 B 8.2 % 0.00
Sun Life Financial SLF Sun Life Financial 3.35 % 31 B 7.8 % 0.00
Hanover Insurance Group THG Hanover Insurance Group 2.24 % 4 B 3.3 % 10.77
American International Group AIG American International Group 2.20 % 47 B 2.6 % 8.70
Kemper KMPR Kemper 2.02 % 4 B 2.0 % 47.38
Argo Group ARGO Argo Group 2.10 % 2 B 2.0 % 33.87
Progressive PGR Progressive 1.98 % 56 B 3.4 % 13.88
AEGON NV AEG AEGON NV 3.40 % 10 B 7.9 % 0.00
W.R. Berkley WRB W.R. Berkley 2.62 % 14 B 1.8 % 13.79
ProAssurance PRA ProAssurance 0.80 % 1 B 6.2 % -37.57
American Financial Group AFG American Financial Group 20.10 % 12 B 8.6 % 5.09
Stewart Information Services STC Stewart Information Services 1.76 % 2 B 2.9 % 7.01
RenaissanceRe Holdings RNR RenaissanceRe Holdings 0.92 % 7 B 0.9 % -71.01
HCI Group HCI HCI Group 2.37 % 1 B 3.2 % 53.90
Old Republic International ORI Old Republic International 13.05 % 8 B 5.9 % 5.57
Heritage Insurance Holdings HRTG Heritage Insurance Holdings 3.64 % 196 M 1.9 % 0.00
Independence Holding IHC Independence Holding 1.17 % 832 M 1.0 % 8.63
Loews L Loews 0.44 % 14 B 0.6 % 8.87
White Mountains Insurance Group WTM White Mountains Insurance Group 0.09 % 3 B 0.1 % 4.28
Torchmark TMK Torchmark โ€ข 10 B 0.8 % โ€ข
Blue Capital Reinsurance Holdings BCRH Blue Capital Reinsurance Holdings โ€ข 59 M 50.2 % โ€ข
Alleghany Y Alleghany โ€ข 9 B 2.1 % 14.10

์‚ฐ์—…ํ‰๊ท ๋ฐฐ๋‹น๋ฅ : โ€ข

์ด ๊ทธ๋ฃน ๋‚ด ๊ธฐ์—…์˜ ๋‹จ์ˆœํ‰๊ท ๋ฐฐ๋‹น๋ฅ ๋กœ ์‚ฐ์ถœ๋œ๋‹ค.

ํ‹ฐ์ปค ๊ธฐ์—…๋ช… ๋ฐฐ๋‹น์‹ ๋ขฐ๋„ ๋ฐฐ๋‹น๋ฅ  ์‹œ๊ฐ€์ด์•ก 5๊ฐœ๋…•ํ‰๊ท ์ˆ˜์ต๋ฅ  ์ฃผ๊ฐ€์ˆ˜์ต๋ฅ 

์‚ฐ์—…ํ‰๊ท ๋ฐฐ๋‹น๋ฅ : 2.44 %

์ด ๊ทธ๋ฃน ๋‚ด ๊ธฐ์—…์˜ ๋‹จ์ˆœํ‰๊ท ๋ฐฐ๋‹น๋ฅ ๋กœ ์‚ฐ์ถœ๋œ๋‹ค.

ํ‹ฐ์ปค ๊ธฐ์—…๋ช… ๋ฐฐ๋‹น์‹ ๋ขฐ๋„ ๋ฐฐ๋‹น๋ฅ  ์‹œ๊ฐ€์ด์•ก 5๊ฐœ๋…•ํ‰๊ท ์ˆ˜์ต๋ฅ  ์ฃผ๊ฐ€์ˆ˜์ต๋ฅ 
Safety Insurance Group SAFT Safety Insurance Group 4.54 % 1 B 4.1 % 7.79
Donegal Group DGICA Donegal Group 4.39 % 429 M 3.9 % 12.61
Principal Financial Group PFG Principal Financial Group 3.44 % 19 B 3.9 % 11.14
Cincinnati Financial CINF Cincinnati Financial 2.15 % 19 B 2.8 % 7.43
Tiptree TIPT Tiptree 1.16 % 467 M 2.2 % 0.00
Donegal Group DGICB Donegal Group 4.01 % 429 M 3.7 % 0.00
Willis Towers Watson WLTW Willis Towers Watson 1.32 % 29 B 2.0 % 12.69
Selective Insurance Group SIGI Selective Insurance Group 1.32 % 5 B 1.5 % 11.60
Kinsale Capital Group KNSL Kinsale Capital Group 0.22 % 5 B 0.4 % 33.67
National General Holdings NGHC National General Holdings 0.15 % 4 B 0.8 % 0.00
Investors Title ITIC Investors Title 8.16 % 464 M 5.4 % 0.00
AMERISAFE AMSF AMERISAFE 9.47 % 1 B 7.2 % 11.15
National Security Group NSEC National Security Group 2.33 % 26 M 1.4 % 0.00
American National Insurance ANAT American National Insurance 1.73 % 5 B 3.2 % 5.91
Protective Insurance PTVCB Protective Insurance 0.86 % 330 M 4.0 % 0.00
Protective Insurance PTVCA Protective Insurance 0.86 % 330 M 3.8 % 0.00
Fanhua FANH Fanhua 6.44 % 745 M 4.1 % 0.00
Global Indemnity GBLI Global Indemnity 3.81 % 378 M 3.3 % 55.88
Erie Indemnity ERIE Erie Indemnity 2.01 % 11 B 2.6 % 29.30
James River Group JRVR James River Group 4.34 % 1 B 3.9 % 0.00
Kingstone Cos. KINS Kingstone Cos. 3.20 % 52 M 2.6 % 0.00
United Fire Group UFCS United Fire Group 2.80 % 561 M 3.9 % 40.78
United Insurance Holdings UIHC United Insurance Holdings 5.49 % 184 M 1.8 % 0.00
National Western Life Group NWLI National Western Life Group 0.17 % 779 M 0.2 % 4.10
State Auto Financial STFC State Auto Financial 0.78 % 2 B 1.6 % 31.97
Atlantic American AAME Atlantic American 0.50 % 81 M 0.8 % 0.00
FedNat Holding FNHC FedNat Holding โ€ข 30 M 2.1 % 0.00
EMC Insurance Group EMCI EMC Insurance Group โ€ข 783 M 3.0 % โ€ข
Maiden MHLD Maiden โ€ข 264 M 5.2 % 1.80
Navigators Group NAVG Navigators Group โ€ข 2 B 0.4 % โ€ข
Oxbridge Re Holdings OXBR Oxbridge Re Holdings โ€ข 27 M 9.4 % 0.00

์‚ฐ์—…ํ‰๊ท ๋ฐฐ๋‹น๋ฅ : 0.04 %

์ด ๊ทธ๋ฃน ๋‚ด ๊ธฐ์—…์˜ ๋‹จ์ˆœํ‰๊ท ๋ฐฐ๋‹น๋ฅ ๋กœ ์‚ฐ์ถœ๋œ๋‹ค.

ํ‹ฐ์ปค ๊ธฐ์—…๋ช… ๋ฐฐ๋‹น์‹ ๋ขฐ๋„ ๋ฐฐ๋‹น๋ฅ  ์‹œ๊ฐ€์ด์•ก 5๊ฐœ๋…•ํ‰๊ท ์ˆ˜์ต๋ฅ  ์ฃผ๊ฐ€์ˆ˜์ต๋ฅ 
Legal & General LGEN Legal & General 0.06 % 23 B 6.4 % 0.00
Admiral ADM Admiral 0.05 % 12 B 3.9 % 0.00
Chesnara CSN Chesnara 0.08 % 562 M 6.1 % 0.00
Direct Line Insurance DLG Direct Line Insurance 0.08 % 5 B 5.7 % 0.00
Sabre Insurance SBRE Sabre Insurance 0.06 % 602 M 3.8 % 0.00
Curtis Banks CBP Curtis Banks 0.03 % 237 M 2.4 % 0.00
Aviva AV Aviva 0.07 % 19 B โ€ข โ€ข
Personal PGH Personal 0.03 % 140 M 5.2 % 0.00
Phoenix PHNX Phoenix 0.08 % 8 B 7.3 % 0.00
Lancashire LRE Lancashire 0.03 % 2 B 5.4 % 0.00
Hiscox HSX Hiscox 0.01 % 4 B 2.6 % 0.00
Randall & Quilter Investment RQIH Randall & Quilter Investment 0.01 % 648 M 5.3 % 0.00
Hansard Global HSD Hansard Global 0.09 % 87 M 9.5 % 0.00
Prudential PRU Prudential 0.01 % 49 B 3.2 % 0.00
Helios Underwriting HUW Helios Underwriting 0.02 % 156 M 2.2 % 0.00
Beazley BEZ Beazley โ€ข 3 B 2.2 % 0.00
Just JUST Just โ€ข 1 B 2.1 % 0.00
Saga SAGA Saga โ€ข 477 M 0.0 % 0.00

์‚ฐ์—…ํ‰๊ท ๋ฐฐ๋‹น๋ฅ : โ€ข

์ด ๊ทธ๋ฃน ๋‚ด ๊ธฐ์—…์˜ ๋‹จ์ˆœํ‰๊ท ๋ฐฐ๋‹น๋ฅ ๋กœ ์‚ฐ์ถœ๋œ๋‹ค.

ํ‹ฐ์ปค ๊ธฐ์—…๋ช… ๋ฐฐ๋‹น์‹ ๋ขฐ๋„ ๋ฐฐ๋‹น๋ฅ  ์‹œ๊ฐ€์ด์•ก 5๊ฐœ๋…•ํ‰๊ท ์ˆ˜์ต๋ฅ  ์ฃผ๊ฐ€์ˆ˜์ต๋ฅ 

์‚ฐ์—…ํ‰๊ท ๋ฐฐ๋‹น๋ฅ : 3.45 %

์ด ๊ทธ๋ฃน ๋‚ด ๊ธฐ์—…์˜ ๋‹จ์ˆœํ‰๊ท ๋ฐฐ๋‹น๋ฅ ๋กœ ์‚ฐ์ถœ๋œ๋‹ค.

ํ‹ฐ์ปค ๊ธฐ์—…๋ช… ๋ฐฐ๋‹น์‹ ๋ขฐ๋„ ๋ฐฐ๋‹น๋ฅ  ์‹œ๊ฐ€์ด์•ก 5๊ฐœ๋…•ํ‰๊ท ์ˆ˜์ต๋ฅ  ์ฃผ๊ฐ€์ˆ˜์ต๋ฅ 
MS&AD Insurance 8725 MS&AD Insurance 4.67 % 17 B 4.0 % 0.00
Sompo 8630 Sompo 4.17 % 15 B 3.0 % 0.00
Tokio Marine 8766 Tokio Marine 3.64 % 36 B 2.8 % 0.00
Dai-ichi Life 8750 Dai-ichi Life 2.71 % 22 B 2.9 % 0.00
Japan Post 6178 Japan Post 5.84 % 29 B 3.4 % 0.00
NFC 7169 NFC 3.09 % 199 M 3.7 % 0.00
Japan Post Insurance 7181 Japan Post Insurance 6.88 % 6 B 1.4 % 0.00
T&D 8795 T&D 3.73 % 7 B 3.2 % 0.00
Advance Create 8798 Advance Create 3.06 % 191 M 1.2 % 0.00
Anicom 8715 Anicom 0.16 % 597 M 0.0 % 0.00
Dream Incubator 4310 Dream Incubator โ€ข 69 M 0.6 % 0.00

์‚ฐ์—…ํ‰๊ท ๋ฐฐ๋‹น๋ฅ : โ€ข

์ด ๊ทธ๋ฃน ๋‚ด ๊ธฐ์—…์˜ ๋‹จ์ˆœํ‰๊ท ๋ฐฐ๋‹น๋ฅ ๋กœ ์‚ฐ์ถœ๋œ๋‹ค.

ํ‹ฐ์ปค ๊ธฐ์—…๋ช… ๋ฐฐ๋‹น์‹ ๋ขฐ๋„ ๋ฐฐ๋‹น๋ฅ  ์‹œ๊ฐ€์ด์•ก 5๊ฐœ๋…•ํ‰๊ท ์ˆ˜์ต๋ฅ  ์ฃผ๊ฐ€์ˆ˜์ต๋ฅ 

์‚ฐ์—…ํ‰๊ท ๋ฐฐ๋‹น๋ฅ : โ€ข

์ด ๊ทธ๋ฃน ๋‚ด ๊ธฐ์—…์˜ ๋‹จ์ˆœํ‰๊ท ๋ฐฐ๋‹น๋ฅ ๋กœ ์‚ฐ์ถœ๋œ๋‹ค.

ํ‹ฐ์ปค ๊ธฐ์—…๋ช… ๋ฐฐ๋‹น์‹ ๋ขฐ๋„ ๋ฐฐ๋‹น๋ฅ  ์‹œ๊ฐ€์ด์•ก 5๊ฐœ๋…•ํ‰๊ท ์ˆ˜์ต๋ฅ  ์ฃผ๊ฐ€์ˆ˜์ต๋ฅ 

์‚ฐ์—…ํ‰๊ท ๋ฐฐ๋‹น๋ฅ : โ€ข

์ด ๊ทธ๋ฃน ๋‚ด ๊ธฐ์—…์˜ ๋‹จ์ˆœํ‰๊ท ๋ฐฐ๋‹น๋ฅ ๋กœ ์‚ฐ์ถœ๋œ๋‹ค.

ํ‹ฐ์ปค ๊ธฐ์—…๋ช… ๋ฐฐ๋‹น์‹ ๋ขฐ๋„ ๋ฐฐ๋‹น๋ฅ  ์‹œ๊ฐ€์ด์•ก 5๊ฐœ๋…•ํ‰๊ท ์ˆ˜์ต๋ฅ  ์ฃผ๊ฐ€์ˆ˜์ต๋ฅ 

์‚ฐ์—…ํ‰๊ท ๋ฐฐ๋‹น๋ฅ : โ€ข

์ด ๊ทธ๋ฃน ๋‚ด ๊ธฐ์—…์˜ ๋‹จ์ˆœํ‰๊ท ๋ฐฐ๋‹น๋ฅ ๋กœ ์‚ฐ์ถœ๋œ๋‹ค.

ํ‹ฐ์ปค ๊ธฐ์—…๋ช… ๋ฐฐ๋‹น์‹ ๋ขฐ๋„ ๋ฐฐ๋‹น๋ฅ  ์‹œ๊ฐ€์ด์•ก 5๊ฐœ๋…•ํ‰๊ท ์ˆ˜์ต๋ฅ  ์ฃผ๊ฐ€์ˆ˜์ต๋ฅ 

์‚ฐ์—…ํ‰๊ท ๋ฐฐ๋‹น๋ฅ : โ€ข

์ด ๊ทธ๋ฃน ๋‚ด ๊ธฐ์—…์˜ ๋‹จ์ˆœํ‰๊ท ๋ฐฐ๋‹น๋ฅ ๋กœ ์‚ฐ์ถœ๋œ๋‹ค.

ํ‹ฐ์ปค ๊ธฐ์—…๋ช… ๋ฐฐ๋‹น์‹ ๋ขฐ๋„ ๋ฐฐ๋‹น๋ฅ  ์‹œ๊ฐ€์ด์•ก 5๊ฐœ๋…•ํ‰๊ท ์ˆ˜์ต๋ฅ  ์ฃผ๊ฐ€์ˆ˜์ต๋ฅ 

์‚ฐ์—…ํ‰๊ท ๋ฐฐ๋‹น๋ฅ : โ€ข

์ด ๊ทธ๋ฃน ๋‚ด ๊ธฐ์—…์˜ ๋‹จ์ˆœํ‰๊ท ๋ฐฐ๋‹น๋ฅ ๋กœ ์‚ฐ์ถœ๋œ๋‹ค.

ํ‹ฐ์ปค ๊ธฐ์—…๋ช… ๋ฐฐ๋‹น์‹ ๋ขฐ๋„ ๋ฐฐ๋‹น๋ฅ  ์‹œ๊ฐ€์ด์•ก 5๊ฐœ๋…•ํ‰๊ท ์ˆ˜์ต๋ฅ  ์ฃผ๊ฐ€์ˆ˜์ต๋ฅ 

์‚ฐ์—…ํ‰๊ท ๋ฐฐ๋‹น๋ฅ : โ€ข

์ด ๊ทธ๋ฃน ๋‚ด ๊ธฐ์—…์˜ ๋‹จ์ˆœํ‰๊ท ๋ฐฐ๋‹น๋ฅ ๋กœ ์‚ฐ์ถœ๋œ๋‹ค.

ํ‹ฐ์ปค ๊ธฐ์—…๋ช… ๋ฐฐ๋‹น์‹ ๋ขฐ๋„ ๋ฐฐ๋‹น๋ฅ  ์‹œ๊ฐ€์ด์•ก 5๊ฐœ๋…•ํ‰๊ท ์ˆ˜์ต๋ฅ  ์ฃผ๊ฐ€์ˆ˜์ต๋ฅ 

์‚ฐ์—…ํ‰๊ท ๋ฐฐ๋‹น๋ฅ : โ€ข

์ด ๊ทธ๋ฃน ๋‚ด ๊ธฐ์—…์˜ ๋‹จ์ˆœํ‰๊ท ๋ฐฐ๋‹น๋ฅ ๋กœ ์‚ฐ์ถœ๋œ๋‹ค.

ํ‹ฐ์ปค ๊ธฐ์—…๋ช… ๋ฐฐ๋‹น์‹ ๋ขฐ๋„ ๋ฐฐ๋‹น๋ฅ  ์‹œ๊ฐ€์ด์•ก 5๊ฐœ๋…•ํ‰๊ท ์ˆ˜์ต๋ฅ  ์ฃผ๊ฐ€์ˆ˜์ต๋ฅ 

๋ฐฐ๋‹น๊ธˆ์€ ์ „๊ธฐ์— ํšŒ์‚ฌ๊ฐ€ ๊ฑฐ๋‘ฌ๋“ค์ธ ์ด์ต์˜ ๋ถ€๋ถ„์„ ๋‚˜ํƒ€๋ƒ…๋‹ˆ๋‹ค. ํšŒ์‚ฌ๋Š” ์ด ์ด์ต์„ ์†Œ์œ ์ฃผ์™€ ์ฃผ์ฃผ์—๊ฒŒ ๋ฐฐ๋ถ„ํ•ฉ๋‹ˆ๋‹ค. ๊ธฐ์—…์ด ๋ฐฐ๋‹น๊ธˆ์„ ์ง€๊ธ‰ํ•  ์ˆ˜ ์žˆ์ง€๋งŒ, ๊ทธ๋ ‡๊ฒŒ ํ•ด์•ผ ํ•  ์˜๋ฌด๋Š” ์—†์Šต๋‹ˆ๋‹ค. ๋ฐฐ๋‹น๊ธˆ์„ ๊ณ„์‚ฐํ•˜๊ธฐ ์œ„ํ•ด์„œ๋Š” ํšŒ์‚ฌ ๋ฐฐ๋‹น ์ •์ฑ…์„ ๋˜๋Š” ํ˜‘ํšŒ์˜ ์กฐํ•ญ์„ ์ด์šฉํ•ด์•ผ ํ•ฉ๋‹ˆ๋‹ค. ํšŒ์‚ฌ์˜ ๋ฐฐ๋‹น ๊ณ„์‚ฐ ์ •์ฑ…์ด ๋ช…ํ™•ํ•˜๊ณ  ํˆฌ๋ช…ํ• ์ˆ˜๋ก ๋” ๋งŽ์€ ํˆฌ์ž์ž๊ฐ€ ํšŒ์‚ฌ๋ฅผ ๋งˆ์Œ์— ๋“ค์–ด ํ•ฉ๋‹ˆ๋‹ค. ๋ฐฐ๋‹น๊ธˆ์˜ ์ง€๊ธ‰ ์—ฌ๋ถ€์—๋Š” ๋งŽ์€ ์š”์ธ์ด ์˜ํ–ฅ์„ ๋ฏธ์นฉ๋‹ˆ๋‹ค. ์ฃผ๋œ ์š”์ธ์€ ๋Œ€์ฃผ์ฃผ์˜ ์ž๊ธˆ ์กฐ๋‹ฌ ํ•„์š”๋‚˜ ์„ธ๊ธˆ ์ตœ์ ํ™”๋ฅผ ์œ„ํ•ด์„œ์ž…๋‹ˆ๋‹ค. ๋”ฐ๋ผ์„œ, ๊ตญ๊ฐ€๊ฐ€ ์ž๊ธˆ ์กฐ๋‹ฌ์„ ํ–ˆ๊ฑฐ๋‚˜ ๊ตญ๊ฐ€๊ฐ€ ์ง€์›ํ•˜๋Š” ๊ธฐ๊ด€์ด ์ฃผ์ฃผ ์ค‘์— ์žˆ๋‹ค๋ฉด, ์‚ฌ์‹ค์ƒ ๋ฐฐ๋‹น๊ธˆ์˜ ์ •๊ธฐ์ ์ธ ์ง€๊ธ‰์€ ๋ณด์žฅ๋œ ๊ฑฐ๋‚˜ ๋งˆ์ฐฌ๊ฐ€์ง€์ž…๋‹ˆ๋‹ค. ์‚ฌ์—…์ฃผ ์ค‘ ํ•œ ๋ช…์ด ์‹ฌ๊ฐํ•œ ๋ถ€์ฑ„๋ฅผ ์žˆ์„ ๋•Œ์—๋„ ์ด๋ ‡๊ฒŒ ๋˜์ง€๋งŒ, ์ด๋Ÿฐ ์ƒํ™ฉ์€ ๋น„๊ต์  ๋œ ์ผ์–ด๋‚ฉ๋‹ˆ๋‹ค.