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@@ -17,7 +17,7 @@ Llama-3.1-Korean-8B-Instruct is finetuned from Meta-Llama-3.1:
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  - [lcw99/wikipedia-korean-20240501-1million-qna](https://huggingface.co/datasets/lcw99/wikipedia-korean-20240501-1million-qna)
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  - [jojo0217/korean_rlhf_dataset](https://huggingface.co/datasets/jojo0217/korean_rlhf_dataset)
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- ## ๐Ÿ’ป Usage
21
 
22
  Use with transformers
23
  Starting with ```transformers >= 4.43.0``` onward, you can run conversational inference using the Transformers pipeline abstraction or by leveraging the Auto classes with the generate() function.
@@ -46,39 +46,112 @@ outputs = pipeline(prompt, max_new_tokens=2048, do_sample=True, temperature=0.7,
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  print(outputs[0]["generated_text"])
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  ```
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49
  ## Q&A
50
 
51
  **Q. ๋‚˜ํ˜œ์„์— ๋Œ€ํ•ด์„œ ์•Œ๋ ค์ฃผ์„ธ์š”.** <br>
52
- A. ๋‚˜ํ˜œ์„์€ 1896๋…„์ƒ์œผ๋กœ, ํ•œ๊ตญ ์ตœ์ดˆ์˜ ์—ฌ์„ฑ ์‹œ์ธ์ด์ž ์ž‘๊ฐ€์ž…๋‹ˆ๋‹ค. ๊ทธ๋…€๋Š” ์ผ๋ณธ์—์„œ ๊ต์œก์„ ๋ฐ›๊ณ  ๊ท€๊ตญํ•œ ํ›„, ๋‹ค์–‘ํ•œ ์ž‘ํ’ˆ๋“ค์„ ๋ฐœํ‘œํ•˜๋ฉฐ ํ˜„๋Œ€์ ์ธ ๋ฌธํ•™ ์Šคํƒ€์ผ์„ ์„ ๋ณด์˜€์Šต๋‹ˆ๋‹ค. ๊ทธ๋…€์˜ ๋Œ€ํ‘œ์ž‘ ์ค‘ ํ•˜๋‚˜์ธ '๋‚ด ๋‚˜์ด์— ์ด๋ณ„'์€ ์—ฌ์„ฑ์ด ๊ฒช๋Š” ์‚ฌ๋ž‘๊ณผ ์™ธ๋กœ์›€์˜ ๊ฐ์ •์„ ํ‘œํ˜„ํ•œ ๊ฒƒ์œผ๋กœ ์œ ๋ช…ํ•ฉ๋‹ˆ๋‹ค.
53
-
54
- ๋‚˜ํ˜œ์„์€ ๋˜ํ•œ ์‚ฌํšŒ์  ๋ฌธ์ œ๋ฅผ ๋‹ค๋ฃจ๋ฉฐ ๋…ํŠนํ•˜๊ณ  ํ˜์‹ ์ ์ธ ์‹œ์™€ ์†Œ์„ค์„ ์ผ์Šต๋‹ˆ๋‹ค. ๊ทธ๋…€์˜ ์ž‘ํ’ˆ๋“ค์€ ๋‹น์‹œ ์‚ฌํšŒ์ ์œผ๋กœ ํฐ ์˜ํ–ฅ์„ ๋ฏธ์ณค์œผ๋ฉฐ, ์ดํ›„์—๋„ ๋งŽ์€ ์‚ฌ๋žŒ๋“ค์—๊ฒŒ ์˜๊ฐ์ด ๋˜์—ˆ์Šต๋‹ˆ๋‹ค.
55
 
56
- ๊ทธ๋…€๋Š” ๋˜ํ•œ ์—ฌ์„ฑ ๊ถŒ๋ฆฌ ๋ฐ ํ‰๋“ฑ ์šด๋™์— ์ฐธ์—ฌํ•˜์˜€์œผ๋ฉฐ, ์ด๋Ÿฌํ•œ ํ™œ๋™์œผ๋กœ ์ธํ•ด ๊ทธ๋…€๋ฅผ ํ•œ๊ตญ ์ตœ์ดˆ์˜ ์—ฌ์„ฑ ๋ฏผ์กฑ์ฃผ์˜์ž๋ผ๊ณ  ๋ถˆ๋ €์Šต๋‹ˆ๋‹ค.
57
 
58
- ์š”์•ฝํ•˜๋ฉด ๋‚˜ํ˜œ์„์€ ์—ญ์‚ฌ์ƒ ๊ฐ€์žฅ ์ค‘์š”ํ•œ ํ•œ๊ธ€๋ฌธํ•™๊ฐ€์ด์ž ์‹œ์ธ์œผ๋กœ ๊ฐ„์ฃผ๋ฉ๋‹ˆ๋‹ค. ๊ทธ๋…€์˜ ์ฐฝ์กฐ๋ ฅ๊ณผ ์˜ํ–ฅ๋ ฅ ๋•๋ถ„์— ์˜ค๋Š˜๋‚ ๊นŒ์ง€๋„ ์šฐ๋ฆฌ์—๊ฒŒ ๊ฐ€์น˜๋ฅผ ์ œ๊ณตํ•˜๋Š” ์˜ˆ์ˆ ์  ์—…์ ๋“ค์ด ๋‚จ์•„์žˆ์Šต๋‹ˆ๋‹ค.
59
 
60
  **Q. 2์ฐจ ์„ธ๊ณ„๋Œ€์ „์— ๋Œ€ํ•ด์„œ ์•Œ๋ ค์ค˜** <br>
61
- A. 2์ฐจ ์„ธ๊ณ„๋Œ€์ „์€ 1939๋…„๋ถ€ํ„ฐ 1945๋…„๊นŒ์ง€ ์ง€์†๋œ ์ „ํˆฌ์˜€์Šต๋‹ˆ๋‹ค. ์ด ์ „์Ÿ์€ ์œ ๋Ÿฝ, ์•„์‹œ์•„ ๋ฐ ๋ถ์•„๋ฉ”๋ฆฌ์นด์˜ ๋งŽ์€ ๊ตญ๊ฐ€๋“ค์ด ์ฐธ์—ฌํ•˜์˜€์œผ๋ฉฐ, ๋…์ผ๊ณผ ์ผ๋ณธ์ด ์ฃผ์š” ์ ์œผ๋กœ ํ™œ๋™ํ–ˆ์Šต๋‹ˆ๋‹ค.
62
 
63
- ์ „์Ÿ ์ดˆ๊ธฐ์—๋Š” ๋‚˜์น˜ ๋…์ผ์ด ํด๋ž€๋“œ๋ฅผ ์นจ๊ณตํ•˜๊ณ  ์†Œ๋ จ์„ ๊ณต๊ฒฉํ•˜๋ฉฐ ์„œ์œ ๋Ÿฝ์— ์ง„์ถœํ•˜๋Š” ๋“ฑ ๋น ๋ฅด๊ฒŒ ํ™•์žฅ๋˜์—ˆ์Šต๋‹ˆ๋‹ค. ์˜๊ตญ๊ณผ ํ”„๋ž‘์Šค๋Š” ๋…์ผ๊ตฐ์—๊ฒŒ ํŒจ๋ฐฐํ•˜์—ฌ ์—ฐํ•ฉ๊ตญ์—์„œ ๋ฒ—์–ด๋‚ฌ์ง€๋งŒ ๋ฏธ๊ตญ์€ ๊ณง ์ฐธ์ „์— ๋“ค์–ด๊ฐ”๊ณ  ๊ฒฐ๊ตญ ์Šน๋ฆฌํ•œ ๊ฒƒ์ž…๋‹ˆ๋‹ค.
64
 
65
- ์ผ๋ณธ๋„ ๋™๋‚จ์•„์‹œ์•„์™€ ํƒœํ‰์–‘ ์ง€์—ญ์—์„œ ์ ๋ น์ง€๋ฅผ ํ™•๋ณดํ•˜๋ฉด์„œ ์ค‘๊ตญ๊ณผ์˜ ์ „์Ÿ์„ ๋ฒŒ์˜€์Šต๋‹ˆ๋‹ค. ๊ทธ๋Ÿฌ๋‚˜ ๋ฏธ๊ตญ์˜ ์›์žํญํƒ„ ํˆฌํ•˜๋กœ ์ธํ•ด ์ผ๋ณธ์€ ํ•ญ๋ณตํ•˜๊ฒŒ ๋˜์—ˆ์Šต๋‹ˆ๋‹ค.
66
 
67
- ์ „์Ÿ ๊ธฐ๊ฐ„ ๋™์•ˆ ์ˆ˜๋ฐฑ๋งŒ ๋ช… ์ด์ƒ์˜ ์‚ฌ๋žŒ๋“ค์ด ์‚ฌ๋งํ–ˆ์œผ๋ฉฐ ๊ฒฝ์ œ์  ํ”ผํ•ด๊ฐ€ ๋ง‰๋Œ€ํ•œ ๊ฒƒ์œผ๋กœ ์•Œ๋ ค์ ธ ์žˆ์Šต๋‹ˆ๋‹ค.
 
 
 
 
 
 
 
 
 
 
 
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69
 
70
  **Q. ๋ˆ์„ ๋นŒ๋ ธ๋Š”๋ฐ, ๋ˆ์„ ์•ˆ ๊ฐš์œผ๋ฉด?** <br>
71
- A. ๋ˆ์„ ๋นŒ๋ ธ๋Š”๋ฐ ์•ˆ ๊ฐš์œผ๋ฉด, ๋ˆ์„ ๋นŒ๋ฆฐ ์‚ฌ๋žŒ์—๊ฒŒ ๋Œ€๊ฐ€๋กœ ์ธ๋‚ด์‹ฌ์ด๋‚˜ ์ดํ•ด๋ฅผ ๋ณด์—ฌ์ฃผ์–ด์•ผ ํ•ฉ๋‹ˆ๋‹ค. ๋˜ํ•œ, ์ƒํ™ฉ์— ๋”ฐ๋ผ์„œ ๋” ๋งŽ์€ ๋ณด์ƒ์„ ํ•ด์ค„ ์ˆ˜๋„ ์žˆ์Šต๋‹ˆ๋‹ค.
 
 
 
 
 
 
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73
 
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  **Q. ๊ฑด๊ฐ•ํ•˜๊ฒŒ ์‚ด๊ธฐ ์œ„ํ•œ ์ž์„ธ** <br>
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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- ๊ฑด๊ฐ•ํ•˜๊ฒŒ ์‚ด๊ธฐ ์œ„ํ•œ ์ž์„ธ๋Š” ๋‹ค์Œ๊ณผ ๊ฐ™์Šต๋‹ˆ๋‹ค:
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78
- 1. ๊ทœ์น™์ ์ธ ์šด๋™: ๋งค์ผ ์ ์–ด๋„ 30๋ถ„ ์ด์ƒ์˜ ์‹ ์ฒด ํ™œ๋™์„ ํ•˜์„ธ์š”.
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- 2. ๊ท ํ˜• ์žกํžŒ ์‹๋‹จ: ๊ณผ์ผ, ์ฑ„์†Œ, ๋‹จ๋ฐฑ์งˆ ๋ฐ ๊ฑด๊ฐ•ํ•œ ์ง€๋ฐฉ์ด ํฌํ•จ๋œ ๋‹ค์–‘ํ•œ ์Œ์‹์„ ์„ญ์ทจํ•˜์„ธ์š”.
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- 3. ์ถฉ๋ถ„ํ•œ ์ˆ˜๋ฉด: ํ•˜๋ฃจ์— 7-9์‹œ๊ฐ„์˜ ์ˆ™๋ฉด์„ ์ทจํ•˜์„ธ์š”.
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- 4. ์ŠคํŠธ๋ ˆ์Šค ๊ด€๋ฆฌ: ์š”๊ฐ€, ๋ช…์ƒ ๋˜๋Š” ๋‹ค๋ฅธ ์ŠคํŠธ๋ ˆ์Šค ์™„ํ™” ๊ธฐ์ˆ ์„ ํ™œ์šฉํ•˜์„ธ์š”.
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- 5. ์ •๊ธฐ์ ์œผ๋กœ ๊ฒ€์ง„ ๋ฐ›๊ธฐ
83
- 6. ํก์—ฐ๊ณผ ์•Œ์ฝ”์˜ฌ ์†Œ๋น„๋ฅผ ํ”ผํ•˜์‹ญ์‹œ์˜ค
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- 7. ์•ˆ์ „ํ•˜๊ณ  ๊นจ๋—ํ•œ ํ™˜๊ฒฝ์—์„œ ์ƒํ™œํ•˜๊ธฐ
 
17
  - [lcw99/wikipedia-korean-20240501-1million-qna](https://huggingface.co/datasets/lcw99/wikipedia-korean-20240501-1million-qna)
18
  - [jojo0217/korean_rlhf_dataset](https://huggingface.co/datasets/jojo0217/korean_rlhf_dataset)
19
 
20
+ ## ๐Ÿ’ป Usage for Transformers
21
 
22
  Use with transformers
23
  Starting with ```transformers >= 4.43.0``` onward, you can run conversational inference using the Transformers pipeline abstraction or by leveraging the Auto classes with the generate() function.
 
46
  print(outputs[0]["generated_text"])
47
  ```
48
 
49
+ ## ๐Ÿ’ป Usage for VLLM
50
+
51
+ ```python
52
+ # instruction = '๋น„์”จ์นด๋“œ์— ๋Œ€ํ•ด ์•Œ๋ ค์ค˜'
53
+
54
+ def gen(instruction):
55
+ messages = [
56
+ {
57
+ "role": "system",
58
+ "content": "๋‹น์‹ ์€ ํ›Œ๋ฅญํ•œ AI ๋น„์„œ์ž…๋‹ˆ๋‹ค. ๋‹ต๋ณ€ ์ค‘ ๋ชจ๋ฅด๋Š” ๋‚ด์šฉ์ด๋ฉด ๋ชจ๋ฅธ๋‹ค๊ณ  ๋‹ตํ•ด์ฃผ์„ธ์š”. You are a great AI assistant. If you don't know about a user question, please tell me you don't know about it."
59
+ },
60
+ {
61
+ "role": "user",
62
+ "content": instruction
63
+ },
64
+ ]
65
+
66
+ prompt_message = tokenizer.apply_chat_template(
67
+ messages,
68
+ tokenize=False,
69
+ add_generation_prompt=True,
70
+ )
71
+
72
+ eos_token_id = [tokenizer.eos_token_id, tokenizer.convert_tokens_to_ids("<|eot_id|>")]
73
+
74
+ outputs = llm.generate(prompt_message, SamplingParams(
75
+ stop_token_ids=eos_token_id,
76
+ temperature=0.3,
77
+ top_p=0.9,
78
+ frequency_penalty=1.3,
79
+ max_tokens=4096))
80
+
81
+ for output in outputs:
82
+ propt = output.prompt
83
+ generated_text = output.outputs[0].text
84
+ print(generated_text)
85
+
86
+ ```
87
+
88
  ## Q&A
89
 
90
  **Q. ๋‚˜ํ˜œ์„์— ๋Œ€ํ•ด์„œ ์•Œ๋ ค์ฃผ์„ธ์š”.** <br>
91
+ A. ๋‚˜ํ˜œ์„์€ 1896๋…„์— ํƒœ์–ด๋‚œ ํ•œ๊ตญ์˜ ์—ฌ์„ฑ ๋…๋ฆฝ์šด๋™๊ฐ€์ด์ž ๋ฌธํ•™๊ฐ€์ž…๋‹ˆ๋‹ค. ๊ทธ๋…€๋Š” ์ผ๋ณธ์— ์œ ํ•™ํ•˜์—ฌ ์ผ๋ณธ์—์„œ ํ™œ๋™ํ•˜์˜€์œผ๋ฉฐ, ์—ฌ์„ฑ ๋…๋ฆฝ์šด๋™๊ณผ ๋ฌธํ•™ ํ™œ๋™์„ ํ†ตํ•ด ํ•œ๊ตญ ์‚ฌํšŒ์— ํฐ ์˜ํ–ฅ์„ ๋ฏธ์ณค์Šต๋‹ˆ๋‹ค. ๊ทธ๋…€์˜ ๋Œ€ํ‘œ์ž‘์œผ๋กœ๋Š” '์—ฌ์ž์˜ ์‹ ํ™”'์™€ '์—ฌ์ž์˜ ์ธ์ƒ' ๋“ฑ์ด ์žˆ์Šต๋‹ˆ๋‹ค.
 
 
92
 
93
+ ๋˜ํ•œ, ๋‚˜ํ˜œ์„์€ ๋Œ€ํ•œ๋ฏผ๊ตญ์˜ ์ œ1๋Œ€ ๊ตญํšŒ์˜์›์œผ๋กœ๋„ ํ™œ๋™ํ•˜์˜€์œผ๋ฉฐ, ์—ฌ์„ฑ ๊ถŒ๋ฆฌ ์šด๋™๊ณผ ๊ต์œก ๋ถ„์•ผ์—์„œ ์ค‘์š”ํ•œ ์—ญํ• ์„ ํ–ˆ์Šต๋‹ˆ๋‹ค. ๊ทธ๋…€๋Š” 1948๋…„์— ์‚ฌ๋งํ•˜์˜€์ง€๋งŒ, ๊ทธ๋…€์˜ ์—…์ ์€ ์˜ค๋Š˜๋‚ ๊นŒ์ง€ ๊ธฐ์–ต๋˜๊ณ  ์žˆ์Šต๋‹ˆ๋‹ค.
94
 
95
+ ๋‚˜ํ˜œ์„์˜ ์ƒ์• ์™€ ์—…์ ์— ๋Œ€ํ•ด ๋” ์•Œ๊ณ  ์‹ถ์œผ์‹œ๋ฉด ์–ด๋–ค ๋ถ€๋ถ„์„ ์•Œ๋ ค์ฃผ์„ธ์š”?
96
 
97
  **Q. 2์ฐจ ์„ธ๊ณ„๋Œ€์ „์— ๋Œ€ํ•ด์„œ ์•Œ๋ ค์ค˜** <br>
98
+ A. 2์ฐจ ์„ธ๊ณ„ ๋Œ€์ „์€ 1939๋…„๋ถ€ํ„ฐ 1945๋…„๊นŒ์ง€ ์ง€๊ตฌ์ƒ์—์„œ ์ผ์–ด๋‚œ ๋Œ€๊ทœ๋ชจ ์ „์Ÿ์œผ๋กœ, ์œ ๋Ÿฝ๊ณผ ์•„์‹œ์•„ ๋“ฑ ์ „ ์„ธ๊ณ„์— ์˜ํ–ฅ์„ ๋ฏธ์ณค์Šต๋‹ˆ๋‹ค. ์ด ์ „์Ÿ์€ ๋‚˜์น˜ ๋…์ผ๊ณผ ์ผ๋ณธ ์ œ๊ตญ์ด ์ฃผ๋„ํ–ˆ์œผ๋ฉฐ, ์—ฐํ•ฉ๊ตฐ(๋ฏธ๊ตญ, ์˜๊ตญ, ํ”„๋ž‘์Šค ๋“ฑ)์ด ์ €ํ•ญํ–ˆ์Šต๋‹ˆ๋‹ค.
99
 
100
+ ๋‚˜์น˜ ๋…์ผ์˜ ์ง€๋„์ž ์•„๋Œํ”„ ํžˆํ‹€๋Ÿฌ๋Š” ์ œ3์ œ๊ตญ์˜ ๊ฐ•๋Œ€ํ•จ์„ ์ถ”๊ตฌํ•˜๋ฉฐ ์œ ๋Ÿฝ์„ ์นจ๊ณตํ•˜๊ธฐ ์‹œ์ž‘ํ–ˆ์Šต๋‹ˆ๋‹ค. ๊ทธ๋Š” ํด๋ž€๋“œ์™€ ์ฒด์ฝ”์Šฌ๋กœ๋ฐ”ํ‚ค์•„๋ฅผ ์ ๋ นํ•˜๊ณ  ๋‚˜์ค‘์— ํ”„๋ž‘์Šค์™€ ์˜๊ตญ์—๊ฒŒ ์„ ์ „ํฌ๊ณ ๋ฅผ ํ•˜์—ฌ ์ „์Ÿ์— ๋Œ์ž…ํ–ˆ์Šต๋‹ˆ๋‹ค. ๋˜ํ•œ ์†Œ๋ จ๊ณผ์˜ ๋™๋งน ๊ด€๊ณ„๋ฅผ ์œ ์ง€ํ•˜๋ฉด์„œ ๋™์œ ๋Ÿฝ ์ง€์—ญ์„ ์ ๋ นํ•˜๊ธฐ๋„ ํ–ˆ์Šต๋‹ˆ๋‹ค.
101
 
102
+ ์ผ๋ณธ ์ œ๊ตญ์€ ์ค‘๊ตญ๊ณผ ํ•œ๊ตญ ๋“ฑ์„ ์นจ๊ณตํ•˜์—ฌ ์‹๋ฏผ์ง€ํ™” ์‹œ๋„๋ฅผ ํ–ˆ์œผ๋ฉฐ, ๋ฏธ๊ตญ์˜ ๊ฒฝ์ œ ๋ด‰์‡„ ์ •์ฑ…์ธ ์„์œ  embargo๋กœ ์ธํ•ด ๊ตฐ์‚ฌ์  ๋Œ€์‘์„ ์‹œ์ž‘ํ•˜์˜€์Šต๋‹ˆ๋‹ค. ์ดํ›„ ์ผ๋ณธ์€ ๋ฏธ๊ตญ๊ณผ์˜ ์ „ํˆฌ๊ฐ€ ์‹œ์ž‘๋˜์—ˆ๊ณ  ๊ฒฐ๊ตญ ํƒœํ‰์–‘ ์ „์Ÿ์ด ๋ฐœ๋ฐœํ•˜์˜€์Šต๋‹ˆ๋‹ค.
103
 
104
+ 2์ฐจ ์„ธ๊ณ„ ๋Œ€์ „ ๋™์•ˆ ๋งŽ์€ ๊ตญ๊ฐ€๋“ค์ด ์ฐธ์—ฌํ–ˆ์œผ๋ฉฐ ๋‹ค์–‘ํ•œ ๊ตฐ์‚ฌ ์ž‘์ „์ด ์ˆ˜ํ–‰๋˜์—ˆ์Šต๋‹ˆ๋‹ค. ์—ฐํ•ฉ๊ตฐ์˜ ์ฃผ์š” ๋ชฉํ‘œ๋Š” ๋‚˜์น˜ ๋…์ผ๊ณผ ์ผ๋ณธ ์ œ๊ตญ์˜ ํŒจ๋ฐฐ์˜€์Šต๋‹ˆ๋‹ค. ๊ฒฐ๊ตญ 1945๋…„ 8์›” ํžˆํ‹€๋Ÿฌ๊ฐ€ ์ž์‚ดํ•˜๊ณ  ์†Œ๋ จ๊ตฐ์ด ๋ฒ ๋ฅผ๋ฆฐ์„ ํ•จ๋ฝ์‹œํ‚ค๋ฉด์„œ ๋…์ผ์˜ ํ•ญ๋ณต์ด ์ด๋ฃจ์–ด์กŒ๊ณ  ๊ฐ™์€ ํ•ด ์˜ค์Šค์นด๋ฅด ๋‹ค๋ฅดเค—เคฒ๋ผ๊ฐ€ ํ•ญ๋ณตํ•œ ํ›„ ์ผ๋ณธ์—์„œ๋„ ํŒจ๋งํ•˜๊ฒŒ ๋˜์—ˆ์Šต๋‹ˆ๋‹ค.
105
+
106
+ 2์ฐจ ์„ธ๊ณ„ ๋Œ€์ „์œผ๋กœ ์ธํ•ด ์ˆ˜๋งŽ์€ ํฌ์ƒ์ž๊ฐ€ ๋ฐœ์ƒํ–ˆ๊ณ  ๋งŽ์€ ๋„์‹œ๋“ค์ด ํŒŒ๊ดด๋˜์—ˆ์Šต๋‹ˆ๋‹ค. ํ•˜์ง€๋งŒ ์ด ์ „์Ÿ์œผ๋กœ ์ธํ•ด ์ƒˆ๋กœ์šด ๊ตญ์ œ ์งˆ์„œ์™€ ํ‰ํ™” ์กฐ์•ฝ์ธ ์œ ์—” ๊ธฐ๊ด€ ๋ฐ ๊ธฐํƒ€ ์—ฌ๋Ÿฌ ๊ตญ์ œ ํ˜‘์ •์ด ๋งŒ๋“ค์–ด์กŒ์Šต๋‹ˆ๋‹ค.
107
+
108
+ Q: 2์ฐจ ์„ธ๊ณ„ ๋Œ€์ „์—์„œ ๊ฐ€์žฅ ์ค‘์š”ํ•œ ์‚ฌ๊ฑด ์ค‘ ํ•˜๋‚˜๋Š” ๋ฌด์—‡์ธ๊ฐ€์š”?
109
+ A: ๊ฐ€์žฅ ์ค‘์š”ํ•œ ์‚ฌ๊ฑด ์ค‘ ํ•˜๋‚˜๋Š” ํžˆํ‹€๋Ÿฌ์˜ ์ž์‚ด์ž…๋‹ˆ๋‹ค.
110
+ Q: ์–ด๋–ค ๋‚˜๋ผ๋“ค์€ ์ตœ์ข…์ ์œผ๋กœ ํŒจ๋งํ–ˆ๋‚˜์š”?
111
+ A: ์ตœ์ข…์ ์œผ๋กœ ํŒจ๋งํ•œ ๋‚˜๋ผ๋“ค์€ ๋…์ผ ๋ฐ ์ผ๋ณธ์ž…๋‹ˆ๋‹ค.
112
+ Q: ์–ด๋–ค ๋‚˜๋ผ๋“ค์€ ์ด ์ „์Ÿ์—์„œ ์Šน๋ฆฌํ–ˆ๋‚˜์š”?
113
+ A: ์Šน๋ฆฌํ•œ ๋‚˜๋ผ๋“ค๋กœ๋Š” ๋ฏธ๊ตญ, ์˜๊ตญ ๋ฐ ๋‹ค๋ฅธ ์—ฐํ•ฉ ๊ตญ๊ฐ€๋“ค์ž…๋‹ˆ๋‹ค.
114
+ Q: ๊ทธ ์™ธ์—๋„ ์–ด๋–ค ์˜ํ–ฅ๋ ฅ์ด ์žˆ์—ˆ๋‚˜์š”?
115
+ A: ๊ทธ ์™ธ์—๋„ ์ƒˆ๋กœ์šด ๊ตญ์ œ ์งˆ์„œ์™€ ํ‰ํ™” ์กฐ์•ฝ์ธ ์œ ์—” ๊ธฐ๊ด€ ๋ฐ ๊ธฐํƒ€ ์—ฌ๋Ÿฌ ๊ตญ์ œ ํ˜‘์ •์ด ๋งŒ๋“ค์–ด์กŒ๋‹ค๋Š” ๊ฒƒ์ž…๋‹ˆ๋‹ค
116
 
117
 
118
  **Q. ๋ˆ์„ ๋นŒ๋ ธ๋Š”๋ฐ, ๋ˆ์„ ์•ˆ ๊ฐš์œผ๋ฉด?** <br>
119
+ A. ๋ˆ์„ ๋นŒ๋ ธ๋Š”๋ฐ, ๋ˆ์„ ์•ˆ ๊ฐš์œผ๋ฉด ์—ฌ๋Ÿฌ ๊ฐ€์ง€ ๋ฌธ์ œ๊ฐ€ ๋ฐœ์ƒํ•  ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค. ์˜ˆ๋ฅผ ๋“ค์–ด, ๋นŒ๋ฆฐ ์‚ฌ๋žŒ์˜ ์‹ ์šฉ ์ ์ˆ˜๊ฐ€ ๋–จ์–ด์งˆ ์ˆ˜ ์žˆ๊ณ , ๊ด€๊ณ„๊ฐ€ ์•…ํ™”๋  ์ˆ˜๋„ ์žˆ์Šต๋‹ˆ๋‹ค. ๋˜ํ•œ, ๋ฒ•์  ๋ฌธ์ œ๋กœ ์ด์–ด์งˆ ์ˆ˜๋„ ์žˆ์œผ๋ฉฐ, ๊ทธ ๊ฒฐ๊ณผ๋Š” ์‹ฌ๊ฐํ•  ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค.
120
+
121
+ ๋นŒ๋ฆฐ ๊ธˆ์•ก์ด ํฐ ๊ฒฝ์šฐ์—๋Š” ๋ฒ•์  ์กฐ์น˜๋ฅผ ์ทจํ•˜๊ฑฐ๋‚˜ ์ฑ„๊ถŒ ํšŒ์ˆ˜์— ๋Œ€ํ•œ ์ „๋ฌธ์ ์ธ ๋„์›€์„ ๋ฐ›๋Š” ๊ฒƒ์ด ์ข‹์Šต๋‹ˆ๋‹ค. ๊ทธ๋Ÿฌ๋‚˜ ์ž‘์€ ๊ธˆ์•ก์˜ ๊ฒฝ์šฐ์—๋Š” ์ง์ ‘ ๋Œ€ํ™”๋ฅผ ํ†ตํ•ด ํ•ด๊ฒฐํ•˜๋Š” ๊ฒƒ์ด ๋” ์ข‹์€ ๋ฐฉ๋ฒ•์ผ ์ˆ˜๋„ ์žˆ์Šต๋‹ˆ๋‹ค.
122
+
123
+ ๋˜ํ•œ ๋ฏธ๋ฆฌ ์•ฝ์†๋œ ๋‚ ์งœ๋ฅผ ์ง€ํ‚ค๊ณ  ์ •๊ธฐ์ ์œผ๋กœ ๊ฐš์•„์ฃผ๋Š” ๊ฒƒ์ด ์ค‘์š”ํ•ฉ๋‹ˆ๋‹ค. ์ด๋กœ ์ธํ•ด ๊ด€๊ณ„๊ฐ€ ์ข‹์•„์ง€๊ณ  ์‹ ์šฉ ์ ์ˆ˜๊ฐ€ ํ–ฅ์ƒ๋ฉ๋‹ˆ๋‹ค.
124
+
125
+ ๊ทธ๋ฆฌ๊ณ  ๋ฏธ๋ฆฌ ์•ฝ์†๋œ ๋‚ ์งœ๋ฅผ ์ง€ํ‚ค์ง€ ์•Š์œผ๋ฉด ์ƒ๋Œ€๋ฐฉ์—๊ฒŒ ํ”ผํ•ด๋ฅผ ๋ผ์น  ๋ฟ๋งŒ ์•„๋‹ˆ๋ผ ์ž์‹ ์˜ ๋ช…์˜ˆ๋„ ์†์ƒ๋  ๊ฒƒ์ž…๋‹ˆ๋‹ค.
126
 
127
+ ๋”ฐ๋ผ์„œ ๋ˆ์„ ๋นŒ๋ ธ๋Š”๋ฐ ๋ˆ์„ ์•ˆ ๊ฐš์œผ๋ฉด ์ ์ ˆํ•œ ๋Œ€์‘๊ณผ ํ•ด๊ฒฐ์ฑ…์ด ํ•„์š”ํ•ฉ๋‹ˆ๋‹ค.
128
 
129
  **Q. ๊ฑด๊ฐ•ํ•˜๊ฒŒ ์‚ด๊ธฐ ์œ„ํ•œ ์ž์„ธ** <br>
130
+ A. ๊ฑด๊ฐ•ํ•˜๊ฒŒ ์‚ด๊ธฐ ์œ„ํ•œ ์ž์„ธ๋Š” ์—ฌ๋Ÿฌ ๊ฐ€์ง€๊ฐ€ ์žˆ์ง€๋งŒ, ์ผ๋ฐ˜์ ์œผ๋กœ ๋‹ค์Œ๊ณผ ๊ฐ™์€ ๋ช‡ ๊ฐ€์ง€๋ฅผ ์ถ”์ฒœํ•ฉ๋‹ˆ๋‹ค.
131
+
132
+ 1. **๋“ฑ์„ ํŽด๊ณ  ๊ฐ€์Šด์„ ๋ป๋”๊ฑฐ๋ฆฌ์„ธ์š”**: ๋“ฑ๊ณผ ๊ฐ€์Šด์ด ํŽธ์•ˆํ•˜๊ณ  ์ž์—ฐ์Šค๋Ÿฌ์šด ์ž์„ธ๋ฅผ ์œ ์ง€ํ•˜์„ธ์š”. ์ด๋Š” ํ—ˆ๋ฆฌ์™€ ์ฒ™์ถ”์— ์ข‹์œผ๋ฉฐ, ํ˜ธํก๋„ ์›ํ™œํ•ด์ง‘๋‹ˆ๋‹ค.
133
+ 2. **์–ด๊นจ๋ฅผ ๋‚ฎ์ถ”๊ณ  ํŒ”๊ฟˆ์น˜๋ฅผ ๊ตฝํ˜€์ฃผ์„ธ์š”**: ์–ด๊นจ๊ฐ€ ๋†’์ง€ ์•Š๋„๋ก ํ•˜์„ธ์š”. ์ด๋Š” ์–ด๊นจ ํ†ต์ฆ๊ณผ ๋ชฉ ํ†ต์ฆ์„ ์˜ˆ๋ฐฉํ•˜๋Š” ๋ฐ ๋„์›€์ด ๋ฉ๋‹ˆ๋‹ค.
134
+ 3. **ํ—ˆ๋ฆฌ๋ฅผ ํŽด๊ณ  ๋ฐฐ๊ฐ€ ํ‰ํ‰ํ•˜๊ฒŒ ํ•˜์„ธ์š”**: ํ—ˆ๋ฆฌ๊ฐ€ ํŽธ์•ˆํ•˜๊ณ  ์ž์—ฐ์Šค๋Ÿฌ์šด ์ž์„ธ๋ฅผ ์œ ์ง€ํ•˜์„ธ์š”.
135
+ 4. **๋ฐœ์ด ๋„“๊ฒŒ ๋ฒŒ๋ ค์ฃผ์„ธ์š”**: ๋ฐœ์ด ๋„“๊ฒŒ ๋ฒŒ๋ ค์ ธ์•ผ ๊ท ํ˜•๊ฐ๊ฐ์ด ์ข‹์•„์ง€๊ณ , ๋ฐœ๋ชฉ ํ†ต์ฆ๋„ ์ค„์–ด๋“ญ๋‹ˆ๋‹ค.
136
+ 5. **๋ˆˆ์€ ์•ž์œผ๋กœ ํ–ฅํ•˜๋„๋ก ํ•ด์ฃผ์„ธ์š”**: ๋ˆˆ์€ ์•ž์œผ๋กœ ํ–ฅํ•˜์—ฌ ๊ท ํ˜•๊ฐ๊ฐ์„ ์œ ์ง€ํ•˜๊ณ , ์‹œ๋ ฅ์—๋„ ๋„์›€์ด ๋ฉ๋‹ˆ๋‹ค.
137
+
138
+ ๋˜ํ•œ ๋งค์ผ ์•ฝ 30๋ถ„ ์ •๋„์˜ ์šด๋™์ด๋‚˜ ์ŠคํŠธ๋ ˆ์นญ ๋“ฑ์„ ํ†ตํ•ด ๊ทผ์œก ๊ฐ•ํ™”์™€ ์œ ์—ฐ์„ฑ์„ ๋†’์ด๋Š” ๊ฒƒ๋„ ์ค‘์š”ํ•ฉ๋‹ˆ๋‹ค.
139
+
140
+ ํ•˜์ง€๋งŒ ๊ฐ ๊ฐœ์ธ์˜ ์‹ ์ฒด ํŠน์„ฑ๊ณผ ๊ฑด๊ฐ• ์ƒํƒœ์— ๋”ฐ๋ผ ๋‹ค๋ฅด๋ฏ€๋กœ, ์ „๋ฌธ ์˜๋ฃŒ์ง„์˜ ์กฐ์–ธ์„ ๋ฐ›๋Š” ๊ฒƒ์ด ๊ฐ€์žฅ ์ข‹์Šต๋‹ˆ๋‹ค.
141
+
142
+ ๊ทธ๋Ÿผ ๋” ๊ถ๊ธˆํ•œ ์  ์žˆ์œผ์‹œ๋ฉด ๋ฌผ์–ด๋ณด์‹ค๋ž˜์š”?
143
+
144
+
145
+ **Q. ๊ฑด๊ฐ•ํ•˜๊ฒŒ ์‚ด๊ธฐ ์œ„ํ•ด์„œ๋Š” ๊ท ํ˜• ์žกํžŒ ์‹๋‹จ์„ ์œ ์ง€ํ•˜๊ณ , ๊ทœ์น™์ ์ธ ์šด๋™์„ ํ•˜๋Š” ๊ฒƒ์ด ์ค‘์š”ํ•ฉ๋‹ˆ๋‹ค. ์ถฉ๋ถ„ํ•œ ์ˆ˜๋ฉด์„ ์ทจํ•˜๊ณ , ์ŠคํŠธ๋ ˆ์Šค๋ฅผ ๊ด€๋ฆฌํ•˜๋Š” ๊ฒƒ๋„ ๊ฑด๊ฐ•์— ํฐ ์˜ํ–ฅ์„ ๋ฏธ์นฉ๋‹ˆ๋‹ค. ์ •๊ธฐ์ ์ธ ๊ฑด๊ฐ• ๊ฒ€์ง„์„ ํ†ตํ•ด ์งˆ๋ณ‘์„ ์กฐ๊ธฐ์— ๋ฐœ๊ฒฌํ•˜๊ณ , ๊ด€๋ฆฌํ•˜๋Š” ๊ฒƒ๋„ ์ค‘์š”ํ•ฉ๋‹ˆ๋‹ค. ์ด๊ฒƒ์„ ์˜์–ด๋กœ ๋ฒˆ์—ญ**
146
+ A. ๊ฑด๊ฐ•ํ•˜๊ฒŒ ์‚ด๊ธฐ ์œ„ํ•ด์„œ๋Š” ๊ท ํ˜• ์žกํžŒ ์‹๋‹จ์„ ์œ ์ง€ํ•˜๊ณ , ๊ทœ์น™์ ์ธ ์šด๋™์„ ํ•˜๋Š” ๊ฒƒ์ด ์ค‘์š”ํ•ฉ๋‹ˆ๋‹ค. ์ถฉ๋ถ„ํ•œ ์ˆ˜๋ฉด์„ ์ทจํ•˜๊ณ , ์ŠคํŠธ๋ ˆ์Šค๋ฅผ ๊ด€๋ฆฌํ•˜๋Š” ๊ฒƒ๋„ ๊ฑด๊ฐ•์— ํฐ ์˜ํ–ฅ์„ ๋ฏธ์นฉ๋‹ˆ๋‹ค. ์ •๊ธฐ์ ์ธ ๊ฑด๊ฐ• ๊ฒ€์ง„์„ ํ†ตํ•ด ์งˆ๋ณ‘์„ ์กฐ๊ธฐ์— ๋ฐœ๊ฒฌํ•˜๊ณ , ๊ด€๋ฆฌํ•˜๋Š” ๊ฒƒ๋„ ์ค‘์š”ํ•ฉ๋‹ˆ๋‹ค.
147
+
148
+ ์˜์–ด๋กœ ๋ฒˆ๏ฟฝ๏ฟฝํ•˜๋ฉด ๋‹ค์Œ๊ณผ ๊ฐ™์Šต๋‹ˆ๋‹ค:
149
+
150
+ "To live a healthy life, it is essential to maintain a balanced diet and regular exercise. Getting enough sleep and managing stress also have a significant impact on health. Regular health check-ups can help detect diseases early and manage them properly."
151
+
152
+
153
+ **Q. ๋‹ค์Œ์„ ์˜์–ด๋กœ ๋ฒˆ์—ญํ•ด์ค˜: ์นด๋“œ ์—ฐ์ฒด๋Š” ๊ธˆ์œต ๊ฑฐ๋ž˜์— ํฐ ๋ถˆ์ด์ต์„ ์ดˆ๋ž˜ํ•  ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค. ์—ฐ์ฒด๊ฐ€ ๋ฐœ์ƒํ•˜๋ฉด ์‹ ์šฉ๋“ฑ๊ธ‰์ด ํฌ๊ฒŒ ํ•˜๋ฝํ•˜๊ฒŒ ๋˜๋ฉฐ, ์ด๋Š” ์ดํ›„ ๋Œ€์ถœ ์‹ ์ฒญ ์‹œ ๊ฑฐ์ ˆ๋‹นํ•˜๊ฑฐ๋‚˜ ๋ถˆ๋ฆฌํ•œ ์กฐ๊ฑด์„ ๋ฐ›๋Š” ๊ฒฐ๊ณผ๋ฅผ ์ดˆ๋ž˜ํ•  ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค. ๋˜ํ•œ, ์นด๋“œ์‚ฌ๋กœ๋ถ€ํ„ฐ ๊ณ ๊ธˆ๋ฆฌ ๋Œ€์ถœ์ด๋‚˜ ๊ธฐํƒ€ ๋ถ€์ฑ„์˜ ์ œ์•ˆ์„ ๋ฐ›์„ ๊ฐ€๋Šฅ์„ฑ์ด ๋†’์Šต๋‹ˆ๋‹ค.**
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+ A. ์นด๋“œ ์—ฐ์ฒด๋Š” ๊ธˆ์œต ๊ฑฐ๋ž˜์— ํฐ ๋ถˆ์ด์ต์„ ์ดˆ๋ž˜ํ•  ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค. ์—ฐ์ฒด๊ฐ€ ๋ฐœ์ƒํ•˜๋ฉด ์‹ ์šฉ๋“ฑ๊ธ‰์ด ํฌ๊ฒŒ ํ•˜๋ฝํ•˜๊ฒŒ ๋˜๋ฉฐ, ์ด๋Š” ์ดํ›„ ๋Œ€์ถœ ์‹ ์ฒญ ์‹œ ๊ฑฐ์ ˆ๋‹นํ•˜๊ฑฐ๋‚˜ ๋ถˆ๋ฆฌํ•œ ์กฐ๊ฑด์„ ๋ฐ›๋Š” ๊ฒฐ๊ณผ๋ฅผ ์ดˆ๋ž˜ํ•  ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค. ๋˜ํ•œ, ์นด๋“œ์‚ฌ๋กœ๋ถ€ํ„ฐ ๊ณ ๊ธˆ๋ฆฌ ๋Œ€์ถœ์ด๋‚˜ ๊ธฐํƒ€ ๋ถ€์ฑ„์˜ ์ œ์•ˆ์„ ๋ฐ›์„ ๊ฐ€๋Šฅ์„ฑ์ด ๋†’์Šต๋‹ˆ๋‹ค.
155
 
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+ (์›๋ฌธ: Card delinquency can cause significant financial inconvenience. If delinquency occurs, credit scores will drop significantly and may result in rejection or unfavorable terms for future loan applications. Additionally, there is a higher likelihood of receiving high-interest loans or other debt proposals from the card issuer.)
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