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 
Horace Mann Educators HMN Horace Mann Educators 3.50 % 2 B 3.3 % 9.99
AXIS Capital Holdings AXS AXIS Capital Holdings 3.05 % 4 B 3.2 % 11.55
Unum Group UNM Unum Group 2.81 % 5 B 4.1 % 6.77
American International Group AIG American International Group 2.16 % 47 B 2.7 % 8.70
MetLife MET MetLife 2.64 % 51 B 3.5 % 10.19
Hanover Insurance Group THG Hanover Insurance Group 2.24 % 4 B 3.5 % 10.77
Assured Guaranty AGO Assured Guaranty 2.10 % 4 B 2.0 % 13.74
Aflac AFL Aflac 1.95 % 38 B 2.4 % 8.90
FBL Financial Group FFG FBL Financial Group 1.67 % 1 B 4.9 % 14.50
Prudential Financial PRU Prudential Financial 4.04 % 40 B 5.0 % 5.78
First American Financial FAF First American Financial 3.96 % 8 B 3.4 % 6.60
Stewart Information Services STC Stewart Information Services 3.80 % 2 B 3.1 % 7.01
Lincoln National LNC Lincoln National 3.78 % 12 B 4.2 % 10.03
Fidelity National Financial FNF Fidelity National Financial 3.47 % 14 B 3.9 % 5.40
CNO Financial Group CNO CNO Financial Group 3.40 % 3 B 2.5 % 7.01
W.R. Berkley WRB W.R. Berkley 2.81 % 14 B 2.0 % 13.79
Travelers Companies TRV Travelers Companies 1.69 % 38 B 2.4 % 10.71
AEGON NV AEG AEGON NV 11.69 % 10 B 5.9 % 0.00
Allstate ALL Allstate 1.81 % 33 B 2.5 % 9.99
Everest Re Group RE Everest Re Group 1.81 % 11 B 2.4 % 10.82
Hartford Financial Services Group HIG Hartford Financial Services Group 1.65 % 24 B 2.4 % 11.35
Marsh & McLennan MMC Marsh & McLennan 1.37 % 84 B 1.6 % 31.01
Chubb CB Chubb 1.33 % 80 B 1.9 % 9.42
Arthur J. Gallagher & Co AJG Arthur J. Gallagher & Co 0.84 % 34 B 1.5 % 36.56
Reinsurance Group of America RGA Reinsurance Group of America 1.50 % 7 B 2.3 % 12.80
Assurant AIZ Assurant 1.36 % 9 B 2.0 % 6.62
Primerica PRI Primerica 1.08 % 6 B 1.3 % 14.66
Aon AON Aon 0.79 % 64 B 0.8 % 0.00
Brown & Brown BRO Brown & Brown 0.48 % 18 B 0.8 % 32.03
Manulife Financial MFC Manulife Financial 6.52 % 37 B โ€ข 0.00
Sun Life Financial SLF Sun Life Financial 5.10 % 31 B โ€ข 0.00
Argo Group ARGO Argo Group 3.31 % 2 B 2.1 % 33.87
Mercury General MCY Mercury General 2.85 % 3 B 4.7 % 7.61
Employers Holdings EIG Employers Holdings 2.79 % 1 B 3.7 % 8.80
CNA Financial CNA CNA Financial 8.34 % 12 B 7.6 % 9.27
Universal Insurance Holdings UVE Universal Insurance Holdings 4.85 % 489 M 4.6 % 9.56
RLI RLI RLI 4.13 % 5 B 3.3 % 18.86
ProAssurance PRA ProAssurance 0.84 % 1 B 2.2 % -37.57
RenaissanceRe Holdings RNR RenaissanceRe Holdings 0.59 % 7 B 0.9 % -71.01
Old Republic International ORI Old Republic International 8.22 % 8 B 7.8 % 5.57
HCI Group HCI HCI Group 2.31 % 1 B 2.9 % 53.90
Heritage Insurance Holdings HRTG Heritage Insurance Holdings 7.57 % 196 M 2.1 % 0.00
Progressive PGR Progressive 0.48 % 56 B 2.9 % 13.88
American Financial Group AFG American Financial Group 6.61 % 12 B 10.2 % 5.09
Independence Holding IHC Independence Holding 0.88 % 832 M 1.0 % 8.63
Loews L Loews 0.29 % 14 B 0.5 % 8.87
White Mountains Insurance Group WTM White Mountains Insurance Group 0.08 % 3 B 0.1 % 4.28
Kemper KMPR Kemper 1.73 % 4 B 1.9 % 47.38
American Equity Investment Life Holding AEL American Equity Investment Life Holding 1.02 % 3 B 0.9 % 4.00
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 : 2.87 %

์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 
Donegal Group DGICA Donegal Group 4.00 % 429 M 4.3 % 12.61
Principal Financial Group PFG Principal Financial Group 3.38 % 19 B 4.1 % 11.14
Cincinnati Financial CINF Cincinnati Financial 2.27 % 19 B 2.6 % 7.43
Tiptree TIPT Tiptree 4.55 % 467 M 1.9 % 0.00
Donegal Group DGICB Donegal Group 3.64 % 429 M 4.0 % 0.00
Selective Insurance Group SIGI Selective Insurance Group 1.49 % 5 B 1.4 % 11.60
National General Holdings NGHC National General Holdings 0.15 % 4 B 0.8 % 0.00
Kinsale Capital Group KNSL Kinsale Capital Group 0.12 % 5 B 0.2 % 33.67
Investors Title ITIC Investors Title 10.30 % 464 M 7.4 % 0.00
Safety Insurance Group SAFT Safety Insurance Group 3.62 % 1 B 4.3 % 7.79
Erie Indemnity ERIE Erie Indemnity 0.70 % 11 B 2.2 % 29.30
United Fire Group UFCS United Fire Group 1.87 % 561 M 2.7 % 40.78
American National Insurance ANAT American National Insurance 1.74 % 5 B 3.1 % 5.91
Protective Insurance PTVCA Protective Insurance 0.86 % 330 M 3.8 % 0.00
Protective Insurance PTVCB Protective Insurance 0.86 % 330 M 4.0 % 0.00
Global Indemnity GBLI Global Indemnity 5.00 % 378 M 3.6 % 55.88
Atlantic American AAME Atlantic American 1.57 % 81 M 0.7 % 0.00
Kingstone Cos. KINS Kingstone Cos. 4.08 % 52 M 2.5 % 0.00
Fanhua FANH Fanhua 11.18 % 745 M 4.4 % 0.00
National Western Life Group NWLI National Western Life Group 0.08 % 779 M 0.2 % 4.10
AMERISAFE AMSF AMERISAFE 8.30 % 1 B 8.7 % 11.15
James River Group JRVR James River Group 0.64 % 1 B 2.1 % 0.00
National Security Group NSEC National Security Group 1.47 % 26 M 1.6 % 0.00
State Auto Financial STFC State Auto Financial 0.78 % 2 B 1.6 % 31.97
Willis Towers Watson WLTW Willis Towers Watson 0.38 % 29 B 1.6 % 12.69
FedNat Holding FNHC FedNat Holding โ€ข 30 M 2.1 % 0.00
United Insurance Holdings UIHC United Insurance Holdings 16.11 % 184 M 2.2 % 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 : 0.07 %

์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 
Personal PGH Personal 0.11 % 140 M 220.3 % 0.00
Legal & General LGEN Legal & General 0.09 % 23 B 291.9 % 0.00
Chesnara CSN Chesnara 0.13 % 562 M 292.5 % 0.00
Prudential PRU Prudential 0.03 % 49 B 129.9 % 0.00
Aviva AV Aviva 0.07 % 19 B 12.8 % โ€ข
Lancashire LRE Lancashire 0.30 % 2 B 93.3 % 0.00
Phoenix PHNX Phoenix 0.10 % 8 B 290.4 % 0.00
Admiral ADM Admiral 0.04 % 12 B 186.3 % 0.00
Hiscox HSX Hiscox 0.03 % 4 B 120.5 % 0.00
Beazley BEZ Beazley 0.02 % 3 B 104.2 % 0.00
Just JUST Just 0.02 % 1 B 2.1 % 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 467.6 % 0.00
Sabre Insurance SBRE Sabre Insurance 0.07 % 602 M 184.6 % 0.00
Curtis Banks CBP Curtis Banks 0.03 % 237 M 212.3 % 0.00
Helios Underwriting HUW Helios Underwriting 0.03 % 156 M 33.0 % 0.00
Direct Line Insurance DLG Direct Line Insurance 0.03 % 5 B 371.6 % 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 : 4.10 %

์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 
Sompo 8630 Sompo 6.39 % 15 B 4.1 % 0.00
MS&AD Insurance 8725 MS&AD Insurance 4.19 % 17 B 4.5 % 0.00
Japan Post Insurance 7181 Japan Post Insurance 3.75 % 6 B 3.7 % 0.00
Japan Post 6178 Japan Post 3.67 % 29 B 4.9 % 0.00
Dai-ichi Life 8750 Dai-ichi Life 3.86 % 22 B 3.4 % 0.00
Advance Create 8798 Advance Create 3.44 % 191 M 2.0 % 0.00
NFC 7169 NFC 3.09 % 199 M 3.7 % 0.00
T&D 8795 T&D 2.98 % 7 B 3.6 % 0.00
Tokio Marine 8766 Tokio Marine 2.50 % 36 B 3.0 % 0.00
Anicom 8715 Anicom 0.96 % 597 M 0.3 % 0.00
Dream Incubator 4310 Dream Incubator 10.22 % 69 M 6.9 % 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.