define('DISALLOW_FILE_EDIT', true);
define('DISALLOW_FILE_MODS', true);{"id":19195,"date":"2025-09-02T05:35:03","date_gmt":"2025-09-02T10:35:03","guid":{"rendered":"https:\/\/working.pensionconcepts.org\/?p=19195"},"modified":"2025-09-02T06:24:50","modified_gmt":"2025-09-02T11:24:50","slug":"page-20","status":"publish","type":"post","link":"https:\/\/working.pensionconcepts.org\/?p=19195","title":{"rendered":"\uc2ac\ub86f \uce74\uc9c0\ub178 \uc990\uac70\uc6c0\uacfc \uc804\ub7b5\uc73c\ub85c \uc548\uc804\ud558\uac8c \uc990\uae30\ub294 \ubc29\ubc95"},"content":{"rendered":"<div style=\"text-align:center;\"><img loading=\"lazy\" src=\"https:\/\/working.pensionconcepts.org\/wp-content\/uploads\/2025\/09\/page-20_3.jpg\" width=\"810\" height=\"401\" alt=\"\uc2ac\ub86f \uce74\uc9c0\ub178 \uc990\uac70\uc6c0\uacfc \uc804\ub7b5\uc73c\ub85c \uc548\uc804\ud558\uac8c \uc990\uae30\ub294 \ubc29\ubc95\" title=\"\uc2ac\ub86f \uce74\uc9c0\ub178 \uc990\uac70\uc6c0\uacfc \uc804\ub7b5\uc73c\ub85c \uc548\uc804\ud558\uac8c \uc990\uae30\ub294 \ubc29\ubc95\" style=\"margin:5px;\" \/><\/div>\n<p>\uc2ac\ub86f \uac8c\uc784\uc740 \uac04\ub2e8\ud55c \uaddc\uce59\uacfc \ube60\ub978 \uc9c4\ud589\uc73c\ub85c \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc0ac\ub791\ubc1b\ub294 \uce74\uc9c0\ub178 \uac8c\uc784 \uc911 \ud558\ub098\uc785\ub2c8\ub2e4. \uc628\ub77c\uc778\uc5d0\uc11c \uc990\uae30\ub294 <a href=\"https:\/\/spinmachine.kr\/\">\uc2ac\ub86f \uce74\uc9c0\ub178<\/a>\ub294 \ub2e4\uc591\ud55c \ud14c\ub9c8\uc640 \ubcf4\ub108\uc2a4, \ubaa8\ubc14\uc77c \ud658\uacbd \uc9c0\uc6d0 \ub4f1\uc73c\ub85c \uc811\uadfc\uc131\uc774 \ub192\uc740 \ud3b8\uc785\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 \uc2ac\ub86f\uc758 \uae30\ubcf8 \uad6c\uc870, \uc885\ub958, \ud655\ub960\uacfc \uc218\uc775\ub960\uc5d0 \ub300\ud55c \uc774\ud574, \ubcf4\ub108\uc2a4 \ud65c\uc6a9\ubc95\uacfc \ucc45\uc784 \uc788\ub294 \uac8c\uc784 \ubc29\ubc95\uae4c\uc9c0 \ud3ed\ub113\uac8c \ub2e4\ub8e8\uc5b4\u521d\u5fc3\u8005\ubd80\ud130 \uacbd\ud5d8\uc790\uae4c\uc9c0 \ub3c4\uc6c0\uc774 \ub420 \ub9cc\ud55c \uc815\ubcf4\ub97c \uc81c\uacf5\ud558\ub824 \ud569\ub2c8\ub2e4.<\/p>\n<p>\uba3c\uc800 \uc2ac\ub86f\uc758 \uae30\ubcf8 \uc6d0\ub9ac\ub97c \uc774\ud574\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ud604\ub300\uc758 \uc2ac\ub86f\uc740 \uae30\uacc4\uc2dd \ub9b4 \ub300\uc2e0 \ub09c\uc218 \uc0dd\uc131\uae30(RNG, Random Number Generator)\ub97c \ud1b5\ud574 \uacb0\uacfc\ub97c \uacb0\uc815\ud569\ub2c8\ub2e4. RNG\ub294 \ub9e4 \ud68c\uc804\ub9c8\ub2e4 \ub3c5\ub9bd\uc801\uc73c\ub85c \uacb0\uacfc\ub97c \uc0dd\uc131\ud558\ubbc0\ub85c \uacfc\uac70\uc758 \uacb0\uacfc\uac00 \ub2e4\uc74c \uacb0\uacfc\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \u2018\uc9c0\uae08\uc740 \ub2f9\ucca8\uc774 \ub098\uc62c \ucc28\ub840\u2019\uc640 \uac19\uc740 \ubbff\uc74c\uc740 \ud1b5\uacc4\uc801\uc73c\ub85c \uadfc\uac70\uac00 \uc5c6\uc2b5\ub2c8\ub2e4. \ub300\uc2e0 \uac01 \uc2ac\ub86f \uac8c\uc784\uc740 \uc124\uacc4 \uc2dc \uc815\ud574\uc9c4 \ud658\uc218\uc728(RTP, Return to Player)\uc744 \uac16\uace0 \uc788\uc73c\uba70, \uc774 \uac12\uc740 \uc7a5\uae30\uc801\uc73c\ub85c \ud50c\ub808\uc774\uc5b4\uac00 \uae30\ub300\ud560 \uc218 \uc788\ub294 \ud3c9\uade0 \ubc18\ud658 \ube44\uc728\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc2ac\ub86f\uc758 \uc885\ub958\ub294 \ub9e4\uc6b0 \ub2e4\uc591\ud569\ub2c8\ub2e4. \ud074\ub798\uc2dd \uc2ac\ub86f\uc740 \ubcf4\ud1b5 3\uac1c\uc758 \ub9b4\uacfc \ub2e8\uc21c\ud55c \ud398\uc774\ub77c\uc778\uc744 \uac00\uc9c0\uace0 \uc788\uc5b4 \ucd08\ubcf4\uc790\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4. \ube44\ub514\uc624 \uc2ac\ub86f\uc740 \ub2e4\ucc44\ub85c\uc6b4 \uadf8\ub798\ud53d\uacfc \uc5ec\ub7ec \ud398\uc774\ub77c\uc778, \ubbf8\ub2c8\uac8c\uc784, \ud504\ub9ac \uc2a4\ud540\uacfc \uac19\uc740 \ubcf4\ub108\uc2a4 \uae30\ub2a5\uc744 \uc81c\uacf5\ud558\uba70 \ud14c\ub9c8\uac00 \ud48d\ubd80\ud569\ub2c8\ub2e4. \ud504\ub85c\uadf8\ub808\uc2dc\ube0c \uc7ad\ud31f \uc2ac\ub86f\uc740 \uc5ec\ub7ec \uc2ac\ub86f\uc744 \uc5f0\uacb0\ud558\uc5ec \ud070 \ub204\uc801 \uc0c1\uae08\uc744 \uc81c\uacf5\ud558\ub294 \uacbd\uc6b0\uac00 \uc788\uc5b4 \ud55c \ubc88\uc5d0 \ud070 \ub2f9\ucca8\uc744 \ub178\ub9ac\ub294 \ud50c\ub808\uc774\uc5b4\uc5d0\uac8c \uc778\uae30\uc785\ub2c8\ub2e4. \uac01 \uc885\ub958\ub294 \ubcc0\ub3d9\uc131(volatility)\uc774\ub098 \ud398\uc774\ub77c\uc778 \uc218, \ubcf4\uc0c1 \uad6c\uc870\uac00 \ub2e4\ub974\ubbc0\ub85c \uc790\uc2e0\uc758 \ud50c\ub808\uc774 \uc2a4\ud0c0\uc77c\uc5d0 \ub9de\ub294 \uac8c\uc784\uc744 \uc120\ud0dd\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>RTP\uc640 \ubcc0\ub3d9\uc131\uc758 \uac1c\ub150\uc744 \uc774\ud574\ud558\uba74 \ubcf4\ub2e4 \ud604\uba85\ud55c \uc120\ud0dd\uc744 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. RTP\ub294 \uc774\ub860\uc801\uc778 \uc7a5\uae30 \uc218\uc775\ub960\uc744 \uc758\ubbf8\ud558\uba70, \uc608\ub97c \ub4e4\uc5b4 96% RTP\ub97c \uac00\uc9c4 \uc2ac\ub86f\uc740 \uc7a5\uae30\uc801\uc73c\ub85c 100\uc6d0\uc744 \uac78\uc5c8\uc744 \ub54c \ud3c9\uade0 96\uc6d0\uc744 \ub3cc\ub824\uc900\ub2e4\ub294 \ub73b\uc785\ub2c8\ub2e4. \ubcc0\ub3d9\uc131\uc740 \ub2f9\ucca8 \ube48\ub3c4\uc640 \ub2f9\ucca8\uc561\uc758 \ubd84\ud3ec\ub97c \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \ub0ae\uc740 \ubcc0\ub3d9\uc131 \uc2ac\ub86f\uc740 \uc791\uc740 \ub2f9\ucca8\uc774 \uc790\uc8fc \ub098\uc640 \uc548\uc815\uc801\uc778 \uac8c\uc784\uc744 \uc120\ud638\ud558\ub294 \uc0ac\ub78c\uc5d0\uac8c \uc801\ud569\ud558\uace0, \ub192\uc740 \ubcc0\ub3d9\uc131 \uc2ac\ub86f\uc740 \ub2f9\ucca8 \ube48\ub3c4\ub294 \ub0ae\uc9c0\ub9cc \ud55c \ubc88\uc5d0 \ud070 \uc0c1\uae08\uc744 \ub178\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub450 \uc694\uc18c\ub97c \uc870\ud569\ud574 \uc790\uc2e0\uc758 \uc608\uc0b0\uacfc \ubaa9\ud45c\uc5d0 \ub9de\ub294 \uac8c\uc784\uc744 \uace0\ub974\uc138\uc694.<\/p>\n<div style=\"text-align:center;\"><img loading=\"lazy\" src=\"https:\/\/working.pensionconcepts.org\/wp-content\/uploads\/2025\/09\/page-20_2.jpg\" width=\"1000\" height=\"533\" alt=\"\uc2ac\ub86f \uce74\uc9c0\ub178 \uc990\uac70\uc6c0\uacfc \uc804\ub7b5\uc73c\ub85c \uc548\uc804\ud558\uac8c \uc990\uae30\ub294 \ubc29\ubc95\" title=\"\uc2ac\ub86f \uce74\uc9c0\ub178 \uc990\uac70\uc6c0\uacfc \uc804\ub7b5\uc73c\ub85c \uc548\uc804\ud558\uac8c \uc990\uae30\ub294 \ubc29\ubc95\" style=\"margin:5px;\" \/><\/div>\n<p><center><iframe loading=\"lazy\" width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/A6zymj_ff04?si=6ttClheaR62hJvhd\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/center><\/p>\n<p>\ubcf4\ub108\uc2a4\uc640 \ud504\ub85c\ubaa8\uc158\uc740 \uc2ac\ub86f \ud50c\ub808\uc774\uc758 \uc7ac\ubbf8\uc640 \ubcf4\ub108\uc2a4 \uc790\uae08\uc744 \ub298\ub9ac\ub294 \uc911\uc694\ud55c \uc694\uc18c\uc785\ub2c8\ub2e4. \uce74\uc9c0\ub178\ub294 \uc2e0\uaddc \uac00\uc785 \ubcf4\ub108\uc2a4, \uc785\uae08 \ubcf4\ub108\uc2a4, \ud504\ub9ac \uc2a4\ud540, \uce90\uc2dc\ubc31 \ub4f1 \ub2e4\uc591\ud55c \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\ubbc0\ub85c \uc57d\uad00\uacfc \ubca0\ud305 \uc694\uad6c\uc870\uac74(wagering requirements)\uc744 \uaf3c\uaf3c\ud788 \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4. \ubca0\ud305 \uc694\uad6c\uc870\uac74\uc774 \ub192\uc744\uc218\ub85d \ubcf4\ub108\uc2a4\ub85c \uc5bb\uc740 \uae08\uc561\uc744 \ucd9c\uae08\ud558\uae30 \uc5b4\ub824\uc6cc\uc9c8 \uc218 \uc788\uc73c\ub2c8 \uc2e4\uc81c \ud604\uae08 \uc804\ud658 \uac00\ub2a5\uc131\uc744 \ub530\uc838\ubcf4\ub294 \uac83\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ub610\ud55c \ud504\ub9ac \uc2a4\ud540\uc740 \ud2b9\uc815 \uc2ac\ub86f\uc5d0\uc11c\ub9cc \uc0ac\uc6a9 \uac00\ub2a5\ud560 \uc218 \uc788\uc73c\ubbc0\ub85c \uc0ac\uc6a9 \uc870\uac74\uc744 \ud655\uc778\ud558\uc138\uc694.<\/p>\n<p>\uc790\uae08 \uad00\ub9ac(bankroll management)\ub294 \uc2ac\ub86f\uc744 \uc624\ub798 \uc990\uae30\uace0 \uc190\uc2e4\uc744 \ud1b5\uc81c\ud558\ub294 \ud575\uc2ec\uc785\ub2c8\ub2e4. \uc608\uc0b0\uc744 \uc815\ud558\uace0 \uadf8 \ud55c\ub3c4\ub97c \ub118\uae30\uc9c0 \uc54a\ub294 \uc6d0\uce59\uc744 \uc9c0\ud0a4\uc138\uc694. \uc138\uc158\ub2f9 \uc608\uc0b0\uc744 \uc815\ud574 \uc77c\uc815 \uae08\uc561 \uc774\uc0c1 \uc783\uc73c\uba74 \uc911\ub2e8\ud558\uace0, \uc791\uc740 \uc2b9\ub9ac\ub77c\ub3c4 \uc801\uc808\ud788 \ubd84\ubc30\ud574 \uc77c\ubd80\ub97c \uc778\ucd9c\ud558\uac70\ub098 \ub2e4\uc74c \uc138\uc158\uc758 \uc790\uae08\uc73c\ub85c \uc0ac\uc6a9\ud558\uc9c0 \uc54a\ub294 \uac83\uc774 \ud604\uba85\ud569\ub2c8\ub2e4. \ubc30\ud305 \ud06c\uae30\ub294 \uacc4\uc88c \uc794\uace0\uc758 \uc791\uc740 \ube44\uc728\ub85c \uc124\uc815\ud574 \ud55c \ubc88\uc758 \uc190\uc2e4\uc774 \uc804\uccb4 \uc790\uae08\uc744 \ucd08\uacfc\ud558\uc9c0 \uc54a\ub3c4\ub85d \uc124\uacc4\ud558\uc138\uc694.<\/p>\n<p>\uc2ec\ub9ac\uc801\uc778 \uc694\uc18c\ub3c4 \uc911\uc694\ud569\ub2c8\ub2e4. \uc5f0\uc2b9\uc774\ub098 \uc5f0\ud328\uc5d0 \ub530\ub978 \uac10\uc815\uc801 \ubc18\uc751\uc740 \ube44\uc774\uc131\uc801\uc778 \ubca0\ud305\uc73c\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \u2018\ub354 \uc783\uae30 \uc804\uc5d0 \uba48\ucd98\ub2e4\u2019\ub294 \uaddc\uce59\uc744 \uc2a4\uc2a4\ub85c \uc815\ud558\uace0 \uc9c0\ud0a4\ub294 \uac83\uc774 \uc2b9\ud328\uc640 \uc0c1\uad00\uc5c6\uc774 \uc7a5\uae30\uc801\uc73c\ub85c \uac8c\uc784\uc744 \uc990\uae30\ub294 \ubc29\ubc95\uc785\ub2c8\ub2e4. \ub610\ud55c \uc220 \ub4f1\uc758 \uc601\ud5a5 \uc544\ub798\uc5d0\uc11c \ud50c\ub808\uc774\ud558\ub294 \uac83\uc740 \ud310\ub2e8\ub825\uc744 \ud750\ub9ac\uac8c \ud558\ubbc0\ub85c \ud53c\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubaa8\ubc14\uc77c \uc2ac\ub86f\uc758 \ubc1c\uc804\uc73c\ub85c \uc5b8\uc81c \uc5b4\ub514\uc11c\ub098 \uac8c\uc784\uc744 \uc990\uae38 \uc218 \uc788\uac8c \ub418\uc5c8\uc9c0\ub9cc, \ubaa8\ubc14\uc77c \ud658\uacbd \ud2b9\uc720\uc758 \uc791\uc740 \ud654\uba74\uacfc \ub124\ud2b8\uc6cc\ud06c \ubb38\uc81c\ub85c \uc778\ud55c \uc2e4\uc218 \ubc30\ud305\uc5d0 \uc8fc\uc758\ud574\uc57c \ud569\ub2c8\ub2e4. \uc778\uc99d\ub41c \uc571\uc774\ub098 \uc6f9\uc0ac\uc774\ud2b8\ub97c \uc774\uc6a9\ud558\uace0, \uac1c\uc778 \uc815\ubcf4\uc640 \uacb0\uc81c \uc218\ub2e8\uc758 \ubcf4\uc548 \uc0c1\ud0dc\ub97c \ud655\uc778\ud558\uc138\uc694. \uacf5\uc6a9 Wi-Fi\uc5d0\uc11c\ub294 \uacb0\uc81c \uc815\ubcf4\ub97c \uc785\ub825\ud558\uc9c0 \uc54a\ub294 \uac83\uc774 \uc548\uc804\ud569\ub2c8\ub2e4.<\/p>\n<div style=\"text-align:center;\"><img loading=\"lazy\" src=\"https:\/\/working.pensionconcepts.org\/wp-content\/uploads\/2025\/09\/page-20_1.jpg\" width=\"1038\" height=\"675\" alt=\"\uc2ac\ub86f \uce74\uc9c0\ub178 \uc990\uac70\uc6c0\uacfc \uc804\ub7b5\uc73c\ub85c \uc548\uc804\ud558\uac8c \uc990\uae30\ub294 \ubc29\ubc95\" title=\"\uc2ac\ub86f \uce74\uc9c0\ub178 \uc990\uac70\uc6c0\uacfc \uc804\ub7b5\uc73c\ub85c \uc548\uc804\ud558\uac8c \uc990\uae30\ub294 \ubc29\ubc95\" style=\"margin:5px;\" \/><\/div>\n<p>\uce74\uc9c0\ub178 \uc120\ud0dd \uc2dc\uc5d0\ub294 \ub77c\uc774\uc120\uc2a4\uc640 \uaddc\uc81c \uc0c1\ud0dc\ub97c \ud655\uc778\ud558\ub294 \uac83\uc774 \ud544\uc218\uc785\ub2c8\ub2e4. \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \uaddc\uc81c \uae30\uad00\uc758 \ub77c\uc774\uc120\uc2a4\ub97c \ubcf4\uc720\ud55c \uc0ac\uc774\ud2b8\ub97c \uc120\ud0dd\ud558\uba74 \uac8c\uc784\uc758 \uacf5\uc815\uc131, \uc790\uae08\uc758 \uc548\uc804\uc131, \ubd84\uc7c1 \uc2dc \ud574\uacb0 \uc808\ucc28 \ub4f1\uc744 \uae30\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\uc6a9\uc790 \ub9ac\ubdf0\uc640 \ud3c9\ud310, \uace0\uac1d \uc9c0\uc6d0\uc758 \uc751\ub2f5 \uc2dc\uac04, \ucd9c\uae08 \uc815\ucc45\uacfc \ud55c\ub3c4 \ub4f1\uc744 \ube44\uad50\ud574\ubcf4\uc138\uc694. \ub610\ud55c \ucc45\uc784 \uc788\ub294 \ub3c4\ubc15 \uc815\ucc45(\uc608: \uc790\uac00 \uc81c\ud55c, \uc790\uae30 \ucc28\ub2e8 \uc635\uc158)\uc744 \uc81c\uacf5\ud558\ub294\uc9c0\ub3c4 \ud655\uc778\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud754\ud788 \uc54c\ub824\uc9c4 \u2018\uc774\uae30\ub294 \uc804\ub7b5\u2019\uc5d0 \ub300\ud574\uc120 \ud604\uc2e4\uc801\uc778 \uc2dc\uac01\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc2ac\ub86f\uc740 \ubcf8\uc9c8\uc801\uc73c\ub85c \ud655\ub960 \uac8c\uc784\uc774\uba70 \uc7a5\uae30\uc801\uc73c\ub85c\ub294 RNG\uc640 RTP\uc5d0 \uc758\ud574 \uacb0\uacfc\uac00 \uacb0\uc815\ub429\ub2c8\ub2e4. \ud2b9\uc815 \ud328\ud134\uc744 \ucc3e\uac70\ub098 \u2018\ub728\ub294 \uae30\uacc4\u2019\ub97c \ucc3e\ub294 \uac83\uc740 \ud1b5\uacc4\uc801\uc73c\ub85c \uadfc\uac70\uac00 \uc57d\ud569\ub2c8\ub2e4. \ub300\uc2e0 \uac00\ub2a5\ud55c \ud55c \ub192\uc740 RTP\ub97c \uac00\uc9c4 \uac8c\uc784\uc744 \uc120\ud0dd\ud558\uace0, \ubcf8\uc778\ub9cc\uc758 \uc608\uc0b0 \uaddc\uce59\uc744 \uc900\uc218\ud558\uba70 \ubcf4\ub108\uc2a4\ub97c \ud604\uba85\ud558\uac8c \ud65c\uc6a9\ud558\ub294 \uc2e4\uc6a9\uc801\uc778 \uc811\uadfc\ubc95\uc774 \uac00\uc7a5 \ud604\uc2e4\uc801\uc785\ub2c8\ub2e4.<\/p>\n<p>\ubc95\uc801 \uc774\uc288\uc640 \uc138\uae08 \ubb38\uc81c\ub3c4 \uc9c0\uc5ed\uc5d0 \ub530\ub77c \ub2e4\ub985\ub2c8\ub2e4. \uc77c\ubd80 \uad6d\uac00\ub098 \uc9c0\uc5ed\uc5d0\uc11c\ub294 \uc628\ub77c\uc778 \uce74\uc9c0\ub178\uc5d0\uc11c\uc758 \ub2f9\ucca8\uae08\uc5d0 \ub300\ud574 \uc138\uae08\uc774 \ubd80\uacfc\ub418\uae30\ub3c4 \ud558\uba70, \ud2b9\uc815 \uc5f0\ub839 \ubbf8\ub9cc\uc740 \ud50c\ub808\uc774\uac00 \uae08\uc9c0\ub429\ub2c8\ub2e4. \uc790\uc2e0\uc774 \uac70\uc8fc\ud558\ub294 \uc9c0\uc5ed\uc758 \ubc95\ub960\uc744 \ud655\uc778\ud558\uace0, \uc704\ubc95\ud55c \uc0ac\uc774\ud2b8\ub97c \uc774\uc6a9\ud558\uc9c0 \uc54a\ub3c4\ub85d \uc8fc\uc758\ud558\uc138\uc694. \ub610\ud55c \ubbf8\uc131\ub144\uc790\uc758 \uc811\uadfc\uc744 \ub9c9\ub294 \uc548\uc804 \uc7a5\uce58\uac00 \uc788\ub294 \ud50c\ub7ab\ud3fc\uc744 \uc120\ud0dd\ud558\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c \uc548\uc804\ud558\uace0 \uc990\uac70\uc6b4 \uc2ac\ub86f \uacbd\ud5d8\uc744 \uc704\ud574 \uba87 \uac00\uc9c0 \uc2e4\uc6a9\uc801\uc778 \ud301\uc744 \uc815\ub9ac\ud558\uba74 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4. \uccab\uc9f8, \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \ub77c\uc774\uc120\uc2a4\uc640 \ubcf4\uc548\uc774 \ud655\ubcf4\ub41c \uc0ac\uc774\ud2b8\ub97c \uc120\ud0dd\ud558\uc138\uc694. \ub458\uc9f8, RTP\uc640 \ubcc0\ub3d9\uc131\uc744 \uace0\ub824\ud574 \uac8c\uc784\uc744 \uace0\ub974\uace0, \uc18c\uc561\uc73c\ub85c \uc5ec\ub7ec \uac8c\uc784\uc744 \uc2dc\ud5d8\ud574 \ubcf8 \ub4a4 \uc7a5\uae30 \uc804\ub7b5\uc744 \uc138\uc6b0\uc138\uc694. \uc14b\uc9f8, \ubcf4\ub108\uc2a4\uc758 \uc57d\uad00\uc744 \uaf3c\uaf3c\ud788 \uc77d\uace0 \ubca0\ud305 \uc694\uad6c\uc870\uac74\uc744 \ud655\uc778\ud558\uc138\uc694. \ub137\uc9f8, \uc790\uae08 \uad00\ub9ac\ub97c \ucca0\uc800\ud788 \ud558\uace0 \uac10\uc815\uc801 \ubca0\ud305\uc744 \ud53c\ud558\uc138\uc694. \ub2e4\uc12f\uc9f8, \uc990\uac70\uc6c0\uc774 \uc6b0\uc120\uc774\ub77c\ub294 \uc810\uc744 \uc78a\uc9c0 \ub9d0\uace0, \ubb38\uc81c\uac00 \uc0dd\uae30\uba74 \uc989\uc2dc \uc790\uae30 \uc81c\ud55c \uae30\ub2a5\uc774\ub098 \uace0\uac1d \uc9c0\uc6d0\uc744 \uc774\uc6a9\ud574 \ub3c4\uc6c0\uc744 \ubc1b\uc73c\uc138\uc694.<\/p>\n<p>\uc2ac\ub86f \uce74\uc9c0\ub178\ub294 \uc801\uc808\ud55c \uc9c0\uc2dd\uacfc \uc790\uae30 \ud1b5\uc81c\ub97c \uac16\ucd98 \ud50c\ub808\uc774\uc5b4\uc5d0\uac8c \ud070 \uc7ac\ubbf8\uc640 \ud765\ubd84\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ud56d\uc0c1 \ud655\ub960\uc801\uc778 \uc131\uaca9\uacfc \ub9ac\uc2a4\ud06c\uac00 \uc874\uc7ac\ud568\uc744 \uc778\uc2dd\ud558\uace0, \ucc45\uc784\uac10 \uc788\uac8c \uc990\uae30\ub294 \ud0dc\ub3c4\ub97c \uc720\uc9c0\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774 \uae00\uc774 \uc2ac\ub86f\uc744 \uc774\ud574\ud558\uace0 \uc548\uc804\ud558\uac8c \uc990\uae30\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub418\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc2ac\ub86f \uac8c\uc784\uc740 \uac04\ub2e8\ud55c \uaddc\uce59\uacfc \ube60\ub978 \uc9c4\ud589\uc73c\ub85c \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc0ac\ub791\ubc1b\ub294 \uce74\uc9c0\ub178 \uac8c\uc784 \uc911 \ud558\ub098\uc785\ub2c8\ub2e4. \uc628\ub77c\uc778\uc5d0\uc11c \uc990\uae30\ub294 \uc2ac\ub86f \uce74\uc9c0\ub178\ub294 \ub2e4\uc591\ud55c \ud14c\ub9c8\uc640 \ubcf4\ub108\uc2a4, \ubaa8\ubc14\uc77c \ud658\uacbd \uc9c0\uc6d0 \ub4f1\uc73c\ub85c \uc811\uadfc\uc131\uc774 \ub192\uc740 \ud3b8\uc785\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 \uc2ac\ub86f\uc758 \uae30\ubcf8 \uad6c\uc870, \uc885\ub958, \ud655\ub960\uacfc \uc218\uc775\ub960\uc5d0 \ub300\ud55c \uc774\ud574, \ubcf4\ub108\uc2a4 \ud65c\uc6a9\ubc95\uacfc \ucc45\uc784 \uc788\ub294 \uac8c\uc784 \ubc29\ubc95\uae4c\uc9c0 \ud3ed\ub113\uac8c \ub2e4\ub8e8\uc5b4\u521d\u5fc3\u8005\ubd80\ud130 \uacbd\ud5d8\uc790\uae4c\uc9c0 \ub3c4\uc6c0\uc774 \ub420 \ub9cc\ud55c \uc815\ubcf4\ub97c \uc81c\uacf5\ud558\ub824 \ud569\ub2c8\ub2e4. \uba3c\uc800 \uc2ac\ub86f\uc758 \uae30\ubcf8 &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/working.pensionconcepts.org\/?p=19195\"> <span class=\"screen-reader-text\">\uc2ac\ub86f \uce74\uc9c0\ub178 \uc990\uac70\uc6c0\uacfc \uc804\ub7b5\uc73c\ub85c \uc548\uc804\ud558\uac8c \uc990\uae30\ub294 \ubc29\ubc95<\/span> Read More &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":""},"categories":[450],"tags":[],"_links":{"self":[{"href":"https:\/\/working.pensionconcepts.org\/index.php?rest_route=\/wp\/v2\/posts\/19195"}],"collection":[{"href":"https:\/\/working.pensionconcepts.org\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/working.pensionconcepts.org\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/working.pensionconcepts.org\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/working.pensionconcepts.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=19195"}],"version-history":[{"count":1,"href":"https:\/\/working.pensionconcepts.org\/index.php?rest_route=\/wp\/v2\/posts\/19195\/revisions"}],"predecessor-version":[{"id":19196,"href":"https:\/\/working.pensionconcepts.org\/index.php?rest_route=\/wp\/v2\/posts\/19195\/revisions\/19196"}],"wp:attachment":[{"href":"https:\/\/working.pensionconcepts.org\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=19195"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/working.pensionconcepts.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=19195"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/working.pensionconcepts.org\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=19195"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}