{"id":5215,"date":"2017-08-15T18:12:45","date_gmt":"2017-08-15T18:12:45","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=5215"},"modified":"2022-09-28T18:15:32","modified_gmt":"2022-09-28T18:15:32","slug":"%ed%99%a9%ed%98%bc%ec%9d%b4%ed%98%bc-%ec%97%b0%ea%b8%88%eb%8f%84-%eb%86%93%ec%b9%98%ec%a7%80-%eb%a7%88%ec%84%b8%ec%9a%94","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%ed%99%a9%ed%98%bc%ec%9d%b4%ed%98%bc-%ec%97%b0%ea%b8%88%eb%8f%84-%eb%86%93%ec%b9%98%ec%a7%80-%eb%a7%88%ec%84%b8%ec%9a%94\/","title":{"rendered":"\ub2a6\uc5c8\ub2e4\uace0 \uc0dd\uac01\ud560 \ub54c\uac00 \uac00\uc7a5 \ube60\ub974\ub2e4! \ub298\uc5b4\ub098\ub294 \ud669\ud63c\uc774\ud63c, \uc5f0\uae08\ub3c4 \ub193\uce58\uc9c0 \ub9c8\uc138\uc694."},"content":{"rendered":"\r\n<h2 class=\"wp-block-heading\" id=\"h-child-custody\"><span>\ud669\ud63c\uc774\ud63c, \uc5f0\uae08<\/span><\/h2>\r\n\r\n\r\n\r\n<p>\uc548\ub155\ud558\uc138\uc694, \uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c\uc785\ub2c8\ub2e4. \u2018\uc5c4\ub9c8\uac00 \ubfd4\ub0ac\ub2e4\u2019\ub77c\ub294 \ub4dc\ub77c\ub9c8\uac00 \uc720\ud589\ud588\uc5c8\uc2b5\ub2c8\ub2e4. \uae40\ud61c\uc790 \uc528\uac00 \uc5f0\uae30\ud588\ub358 \uc774 \ub4dc\ub77c\ub9c8\uc758 \uc8fc\uc778\uacf5\uc740 \uc218\uc2ed \ub144\uc744 \ub204\uad70\uac00\uc758 \uba70\ub290\ub9ac, \uc544\ub0b4, \uc5c4\ub9c8\ub85c\uc11c \uc0b4\uc544\uc654\uc2b5\ub2c8\ub2e4. \uadf8\ub807\uac8c \uc790\uc2e0\uc744 \uc783\uc5b4\ubc84\ub9b0 \ucc44 \uc0b4\uc544\uc654\ub294\ub370 \ub0a8\ub294 \uac8c \uc5c6\uc5c8\uc2b5\ub2c8\ub2e4. \uc790\ub140\ub4e4\uc740 \uc790\uc2e0\uc774 \uc774\ud574\ud560 \uc218 \uc5c6\ub294 \ud63c\uc778\uc744 \ud558\uaca0\ub2e4\uace0 \uc6b0\uae30\uace0 \uc788\uace0 \ub0a8\ud3b8\uae4c\uc9c0\ub3c4 \uc790\uc2e0\uc744 \uc798 \uc774\ud574\ud574\uc8fc\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub354 \uc774\ub807\uac8c \uc0b4 \uc218 \uc5c6\ub2e4\uace0 \uacb0\uc2ec\ud55c \uc8fc\uc778\uacf5\uc740 \uac00\ucd9c\ud569\ub2c8\ub2e4. \uac00\ucd9c\uc774\ub77c\uace0 \ud574\ubd24\uc790 \uc9d1\uc5d0\uc11c \uc5bc\ub9c8 \ub5a8\uc5b4\uc9c0\uc9c0 \uc54a\uc740 \uacf3\uc5d0 \ubc29 \ud558\ub098 \uc5bb\uc740 \uac83\uc774\uc9c0\ub9cc \uc8fc\uc778\uacf5\uc740 \ud3c9\uc0dd \ub290\uaef4\ubcf4\uc9c0 \ubabb\ud55c \ud574\ubc29\uac10\uacfc \uc790\uc720\ub97c \ub290\ub07c\uae30 \uc2dc\uc791\ud569\ub2c8\ub2e4. \uc65c \uc9c4\uc791 \uc774\ub807\uac8c \uc0b4\uc9c0 \ubabb\ud588\uc744\uae4c \ud6c4\ud68c\ub3c4 \ud569\ub2c8\ub2e4. 10\uc5ec \ub144 \uc804\uc5d0 \ubc29\uc601\ub410\ub358 \uc774 \ub4dc\ub77c\ub9c8\ub294 \ub2f9\uc2dc \ub9ce\uc740 \uc911\ub144 \uc5ec\uc131 \uc2dc\uccad\uc790\ub4e4\uc758 \uacf5\uac10\uc744 \uc5bb\uc5b4\ub0c8\uace0 \uc0ac\ud68c\uc801\uc73c\ub85c\ub3c4 \ud070 \ubc18\ud5a5\uc744 \uc77c\uc73c\ucf30\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\r\n<p>\uc911\ub144\uc5d0 \ub300\ud55c \uc2dc\uac01\uc774 \ubc14\ub00c\uc5c8\uc2b5\ub2c8\ub2e4. \uc608\uc804\uc5d0\ub294 \uc740\ud1f4\ud558\uac70\ub098 \uc911\ub144\uc758 \ub098\uc774\uc5d0 \uc811\uc5b4\ub4e4\uba74 \uc5b4\ub5bb\uac8c \uc778\uc0dd\uc744 \uc798 \ub9c8\ubb34\ub9ac\ud560\uae4c\ub97c \uac71\uc815\ud588\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc694\uc998\uc740 \uc5b4\ub5bb\uac8c \uc778\uc0dd\uc744 \uc0c8\ub86d\uac8c \ucd9c\ubc1c\ud560\uae4c \uace0\ubbfc\ud558\uc2dc\ub294 \ubd84\ub4e4\uc774 \ub9ce\uc544\uc9c0\uc168\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubcc0\ud654\uc758 \uc774\uba74\uc5d0\ub294 \ud55c\uce35 \uc88b\uc544\uc9c4 \uc911\ub144\ub4e4\uc758 \uac74\uac15\uc0c1\ud0dc\uc640 \uc774\ub85c \uc778\ud574 \ub192\uc544\uc9c4 \uae30\ub300\uc218\uba85\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub798\uc11c\uc778\uc9c0 \ud669\ud63c\uc774\ud63c\uc758 \uc22b\uc790\ub3c4 \uae09\uc99d\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubbf8\uad6d \ud1b5\uacc4\uccad\uc5d0 \ub530\ub974\uba74 \uc778\uad6c 1,000\uba85 \uc911 \uc774\ud63c\ud558\ub294 \uc0ac\ub78c\uc758 \uc218\ub294 1981\ub144 \ud3c9\uade0 5.3\uba85\uc778\ub370 \ube44\ud574 2016\ub144\uc5d0\ub294 3.2\uba85\uc73c\ub85c \uc804\uccb4 \uc774\ud63c\uc728\uc740 \uac10\uc18c\ud588\ub2e4\uace0 \ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc774 \uc911 50\uc138 \uc774\uc0c1\uc758 \ube44\uc728\uc740 8%\uc5d0\uc11c 25%\ub85c \uc99d\uac00\ud588\ub2e4\uace0 \ud558\ub2c8 \uc2e4\ub85c \ub180\ub77c\uc6b4 \ubcc0\ud654\ub77c\uace0 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\r\n<p>\uc790\ub140\uac00 \uc5b4\ub9b4 \ub54c \uc774\ud63c\uc744 \ud558\uba74 \ubcf4\ud1b5 \uc790\ub140\uc758 \uc591\uc721\uad8c\uacfc \uc591\uc721\ube44\uac00 \uc774\ud63c\uc758 \uc8fc\ub41c \uc7c1\uc810\uc774 \ub429\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ubcf4\ud1b5 \uc790\ub140\uac00 \uc7a5\uc131\ud558\uc5ec \uc5b4\ub978\uc774 \ub41c \ud669\ud63c\uc774\ud63c\uc758 \uacbd\uc6b0\uc5d0\ub294 \uc7ac\uc0b0\ubd84\ud560\uc5d0 \uad00\uc2ec\uc774 \uc9d1\uc911\ub429\ub2c8\ub2e4. \uc774 \uc911\uc5d0\uc11c\ub3c4 \uc624\ub298\uc740 \uc5f0\uae08\uc758 \ubd84\ud560\uc5d0 \ub300\ud574 \uc54c\uc544\ubcf4\ub3c4\ub85d \ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\r\n<p>\uba3c\uc800 401(k)\uc640 \uac19\uc740 \uc740\ud1f4 \uc5f0\uae08\uc758 \uacbd\uc6b0 \ub2e4\ub978 \uc7ac\uc0b0\uacfc \ub9c8\ucc2c\uac00\uc9c0\ub85c \uc774\ud63c \uc2dc \ubd84\ud560\uc758 \ub300\uc0c1\uc774 \ub429\ub2c8\ub2e4. \uc5b4\ub5bb\uac8c \uc7ac\uc0b0\uc744 \ub098\ub20c\uc9c0\ub294 \uc774\ud63c \ub2f9\uc0ac\uc790\ub4e4\uc758 \ud569\uc758\ub85c \uacb0\uc815\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub9cc\uc57d \ub2f9\uc0ac\uc790\ub4e4\uc758 \ud569\uc758\ub97c \ub04c\uc5b4\ub0bc \uc218 \uc5c6\ub2e4\uba74 \ubc95\uc6d0\uc774 \uc7ac\uc0b0\ubd84\ud560\uc744 \uacb0\uc815\ud558\uac8c \ub429\ub2c8\ub2e4. \uc740\ud1f4 \uc5f0\uae08\uc774 \ud3ec\ud568\ub41c \uc7ac\uc0b0\ubd84\ud560\uc744 \ud611\uc0c1\ud560 \ub54c\ub294 \uc774\ud63c\ubc95\uacfc \uc138\ubc95\uc5d0 \uacbd\ud5d8\uc774 \ud48d\ubd80\ud55c \ubcc0\ud638\uc0ac\uc758 \uc870\uc5b8\uc774 \ud544\uc694\ud558\uc2e4 \uac81\ub2c8\ub2e4. \uc608\uc804\uc5d0 \uc800\ud76c\uac00 \uc774\ud63c\uc744 \uc9c4\ud589\ud574\ub4dc\ub9b0 60\ub300 \uc5ec\uc131 \uace0\uac1d\uc758 \ucf00\uc774\uc2a4\ub97c \uc608\ub85c \ub4e4\uc5b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \uc774 \uace0\uac1d\uc740 \uacb0\ud63c \uae30\uac04 \ub3d9\uc548 \uc77c\uc744 \ud558\uc2e0 \uc801\uc774 \uc5c6\uc73c\uc168\uc2b5\ub2c8\ub2e4. \uc774\uc5d0 \ubc18\ud574 \ub0a8\ud3b8\uc740 \uacb0\ud63c \uc804\ubd80\ud130 \uc77c\uc744 \ud574\uc654\uace0 401(k) \uc5f0\uae08\ub3c4 \uacb0\ud63c \uc804\ubd80\ud130 \ub4e4\uc5b4\uc654\uc2b5\ub2c8\ub2e4. \ubd80\ubd80\uc0ac\uc774\uc5d0\ub294 \uacf5\ub3d9\uba85\uc758\ub85c \ub41c \uc8fc\ud0dd\uc774 \ud558\ub098 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \ub0a8\ud3b8 \uce21\uc5d0\uc11c\ub294 \uc7ac\uc0b0\ubd84\ud560\uc744 \ud611\uc0c1\ud560 \ub54c 401(k) \uc5f0\uae08\uc740 80:20\uc73c\ub85c \ub098\ub204\uace0 \uc8fc\ud0dd\uc740 \ud314\uc544\uc11c \ud310\ub9e4\uae08\uc561\uc758 40:60\uc744 \ub098\ub204\uc790\uace0 \uc81c\uc548\ud588\uc2b5\ub2c8\ub2e4. \uc774 \uc81c\uc548\uc774 \uc800\ud76c \uace0\uac1d\uc5d0\uac8c \uc5bc\ub9c8\ub098 \uacf5\ud3c9\ud55c\uc9c0 \uc54c\uae30 \uc704\ud574\uc11c\ub294 \ub9ce\uc740 \uacc4\uc0b0\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uacb0\ud63c \ud6c4\uc5d0 \ucd95\uc801\ub41c \uc5f0\uae08\ub9cc\uc774 \ubd84\ud560\uc758 \ub300\uc0c1\uc774 \ub418\uae30 \ub54c\ubb38\uc5d0 \uacb0\ud63c \uc804\uc5d0 \ub0a8\ud3b8\uc774 \ub0a9\ubd80\ud55c \uae08\uc561\uc740 \uc5bc\ub9c8\ub098 \ub418\uace0 \uadf8\ub85c \uc778\ud574 \ubc1c\uc0dd\ud55c \uc774\uc790\uc218\uc775 \ub4f1\uc740 \uc5b4\ub290 \uc815\ub3c4\uc778\uc9c0 \ud30c\uc545\ud574\uc57c \ud569\ub2c8\ub2e4. \ub610\ud55c, \uc5f0\uae08\uc740 \uc218\ub839\ud560 \ub54c \uc7ac\uc0b0\uc138 (income tax)\ub97c \uc9c0\ubd88\ud558\uae30 \ub54c\ubb38\uc5d0 \uc138\uc728\uc744 \uc815\ud655\ud788 \ud30c\uc545\ud574\uc11c \uc2e4\uc218\ub839\uc561\uc744 \uc608\uc0c1\ud574\uc57c \ud569\ub2c8\ub2e4. \uadf8\ub9ac\uace0 \uc5f0\uae08\uc744 \ubc1b\uc744 \ub54c \uc77c\uc2dc\uae08 (lump sum)\uc73c\ub85c \ubc1b\uc744\uc9c0 \ub9e4\ub2ec \uc870\uae08\uc529 \ubc1b\uc744\uc9c0\ub3c4 \uac01\uc790\uac00 \ucc98\ud55c \uc0c1\ud669\uc5d0 \ub530\ub77c \uacb0\uc815\ud574\uc57c \ud569\ub2c8\ub2e4. \uc704 \uace0\uac1d\uc758 \uacbd\uc6b0\uc5d0\ub294 \uc774\ub7ec\ud55c \uacc4\uc0b0\uc744 \ub9c8\uce5c \ud6c4 \uc18c\uc720 \uc911\uc774\ub358 \uc8fc\ud0dd\uc758 \uc608\uc0c1 \ud310\ub9e4\uac00\uaca9\uacfc \uad00\ub828\ud55c \uc9c0\ucd9c\ub4f1\uc744 \uaf3c\uaf3c\ud558\uac8c \uacc4\uc0b0\ud558\uc5ec \uace0\uac1d\uc5d0\uac8c \ucd5c\ub300\ub85c \uc720\ub9ac\ud55c \ud611\uc0c1\uc744 \ub04c\uc5b4\ub0bc \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\r\n<p>\uc740\ud1f4\uc5f0\uae08\uc758 \uacbd\uc6b0 \uc774\ucc98\ub7fc \uc720\ub9ac\ud55c \ud569\uc758\ub97c \ub04c\uc5b4\ub0b4\ub294 \uac83\ub9cc\ud07c \uc911\uc694\ud55c \uac83\uc774 \uc774\ud63c\uc774 \ub9c8\ubb34\ub9ac\ub41c \ud6c4 \ud569\uc758\ub41c \ub0b4\uc6a9\ub300\ub85c \uc5f0\uae08 \uad00\ub828 \uc11c\ub958\ub97c \uc218\uc815\ud558\ub294 \uc77c\uc785\ub2c8\ub2e4. \uc65c \uc774 \uacfc\uc815\uc774 \uc911\uc694\ud55c\uc9c0 \uc608\ub97c \ub4e4\uc5b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \ud55c \ub0a8\ud3b8\uc774 \uace0\uc6a9\uc8fc\uac00 \uc9c0\uc6d0\ud558\ub294 \uc740\ud1f4\uc5f0\uae08\uc744 \uac00\uc9c0\uace0 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \ub0a8\ud3b8\uc740 \uc790\uc2e0\uc758 \uc544\ub0b4\ub97c \uc5f0\uae08\uc758 \uc218\ud61c\uc790\ub85c \uc9c0\uc815\ud588\uc2b5\ub2c8\ub2e4. \uadf8 \ud6c4\uc5d0 \ub458\uc740 \uc774\ud63c\uc744 \ud588\uc2b5\ub2c8\ub2e4. \uc774\ud63c\uacfc\uc815\uc5d0\uc11c \uc544\ub0b4\ub294 \uc5f0\uae08\uacfc \uad00\ub828\ud55c \ubaa8\ub4e0 \uad8c\ub9ac\ub97c \ud3ec\uae30\ud558\uaca0\ub2e4\uace0 \ub3d9\uc758\ud588\uace0 \ud569\uc758\ubb38\uae4c\uc9c0 \uc11c\uba85\ud588\uc2b5\ub2c8\ub2e4. \uadf8\ub807\uac8c \uc774\ud63c\uc774 \ub9c8\ubb34\ub9ac\ub418\uc5c8\uace0 \ud569\uc758\ubb38\uc740 \ubc95\uc6d0\uc5d0 \uc81c\ucd9c\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ub0a8\ud3b8\uc740 \uae5c\ube61\ud558\uace0 \uc774\ud63c \ud6c4 \uc5f0\uae08 \uad00\ub828 \uc11c\ub958\ub97c \uc218\uc815\ud558\uc9c0 \uc54a\uc558\uace0 \uc804\ucc98\uc758 \uc774\ub984\uc774 \uacc4\uc18d \uc218\ud61c\uc790\ub85c \uc62c\ub824\uc838 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uadf8\ub9ac\uace0 \ub0a8\ud3b8\uc774 \uc0ac\ub9dd\ud588\uc2b5\ub2c8\ub2e4. \ub0a8\ud3b8\uc758 \uace0\uc6a9\uc8fc\ub294 \uc5f0\uae08\uc11c\ub958\uc5d0 \uc801\ud78c \ub300\ub85c \uc804\ucc98\uc5d0\uac8c \uc5f0\uae08\uc744 \uc9c0\uae09\ud588\uc2b5\ub2c8\ub2e4. \uc774 \uc0ac\uc2e4\uc744 \uc54c\uac8c \ub41c \ub0a8\ud3b8\uc758 \ubc95\uc801 \uc0c1\uc18d\uc778\uc778 \ub538\uc774 \uace0\uc6a9\uc8fc\ub97c \uc0c1\ub300\ub85c \uc18c\uc1a1\uc744 \uc81c\uae30\ud588\uc2b5\ub2c8\ub2e4. \uc774 \uc18c\uc1a1\uc740 2009\ub144 \ubbf8\uad6d \ub300\ubc95\uc6d0\uae4c\uc9c0 \uc62c\ub77c\uac04 \uc2e4\uc81c \uc0ac\uac74\uc785\ub2c8\ub2e4. \uc5ec\uae30\uc11c \ub300\ubc95\uc6d0\uc740 \uace0\uc6a9\uc8fc\uc758 \uc190\uc744 \ub4e4\uc5b4\uc92c\uc2b5\ub2c8\ub2e4. \uc989, \uc544\ubb34\ub9ac \uc774\ud63c \uc911\uc5d0 \uc5f0\uae08\uc5d0 \ub300\ud55c \ud569\uc758\uac00 \uc774\ub8e8\uc5b4\uc84c\ub2e4 \ud558\ub354\ub77c\ub3c4 \uc2e4\uc81c\ub85c \uc5f0\uae08 \uad00\ub828 \uc11c\ub958\ub97c \uc218\uc815\ud574\uc57c \ubaa8\ub4e0 \uc808\ucc28\uac00 \ub9c8\ubb34\ub9ac\ub41c\ub2e4\ub294 \ub73b\uc785\ub2c8\ub2e4.<\/p>\r\n<p>\ud669\ud63c\uc774\ud63c \uc2dc \uc5fc\ub450\uc5d0 \ub450\uc5b4\uc57c\ud558\ub294 \uc5f0\uae08\uc740 401(k)\uc640 \uac19\uc740 \uc77c\ubc18 \uc740\ud1f4\uc5f0\uae08\ubfd0\ub9cc\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uc0ac\ud68c\ubcf4\uc7a5\uc5f0\uae08 (Social Security)\ub3c4 \uaf3c\uaf3c\ud788 \uc0b4\ud3b4\ubd10\uc57c \ud569\ub2c8\ub2e4. \uc65c\ub0d0\ud558\uba74, \ub2e4\uc74c\uc758 \uc870\uac74\ub9cc \ub9de\uc544 \ub5a8\uc5b4\uc9c0\uba74 \uc774\ud63c \ud6c4 \uc804 \ubc30\uc6b0\uc790\uc758 \uc0ac\ud68c\ubcf4\uc7a5\uc5f0\uae08 (Social Security)\uc758 50%\ub97c \ubc1b\uc744 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uba3c\uc800 \ubcf8\uc778\uc774 \uc801\uc5b4\ub3c4 62\uc138 \uc774\uc0c1\uc774\uc5b4\uc57c \ud558\uace0, \uc801\uc5b4\ub3c4 \uc804 \ubc30\uc6b0\uc790\uc640 10\ub144 \uc774\uc0c1 \ud63c\uc778 \uad00\uacc4\ub97c \uc720\uc9c0\ud588\uc5b4\uc57c \ud558\uace0, \uc801\uc5b4\ub3c4 \uc804 \ubc30\uc6b0\uc790\uc640 \uc774\ud63c\ud55c \uc9c0 2\ub144\uc774 \uc9c0\ub0ac\uc5b4\uc57c \ud558\uace0, \ud604\uc7ac \ubcf8\uc778\uc774 \uc7ac\ud63c\ud558\uc9c0 \uc54a\uc740 \uc0c1\ud0dc\uc5ec\uc57c \ud569\ub2c8\ub2e4.<\/p>\r\n<p>\uc624\ub298 \ub2e4\ub8e8\uc5c8\ub358 \uc5f0\uae08\ub4e4 \uc678\uc5d0\ub3c4 \uc774\ud63c \uc2dc \ubd84\ud560\ub300\uc0c1\uc774 \ub418\ub294 \uc7ac\uc0b0\uc758 \uc885\ub958\ub294 \ub2e4\uc591\ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \ud669\ud63c\uc774\ud63c\uc744 \ud1b5\ud574 \uc778\uc0dd\uc758 \uc0c8\ub85c\uc6b4 \ucd9c\ubc1c\uc744 \uacb0\uc2ec\ud558\uc2e0 \ubd84\ub4e4\uc740 \ub2e4\uc591\ud55c \uc885\ub958\uc758 \uc774\ud63c\uc5d0 \uacbd\ud5d8\uc774 \ud48d\ubd80\ud55c \uc774\ud63c \uc804\ubb38 \ubcc0\ud638\uc0ac\ub97c \uc120\uc784\ud558\uc154\uc11c \ubcf8\uc778\uc758 \uad8c\ub9ac\ub97c \ud655\uc2e4\ud788 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