์ง„์งœ ๋กฑ๊ฐ์ด์˜€๋„ค... ์‹œ๋“œ 5%๋งŒ ๋„ฃ์—ˆ๋Š”๋ฐ ํ’€๋งค์ˆ˜ ๋•Œ๋ฆด๊ป„