diff --git a/TaxBaik.Web/Program.cs b/TaxBaik.Web/Program.cs
index ca54b5b..4239eb5 100644
--- a/TaxBaik.Web/Program.cs
+++ b/TaxBaik.Web/Program.cs
@@ -8,6 +8,7 @@ using Microsoft.AspNetCore.HttpOverrides;
 using Microsoft.AspNetCore.ResponseCompression;
 using Microsoft.IdentityModel.Tokens;
 using MudBlazor.Services;
+using Serilog;
 using TaxBaik.Application;
 using TaxBaik.Application.Services;
 using TaxBaik.Infrastructure;
@@ -16,6 +17,20 @@ using TaxBaik.Web.Services;
 var builder = WebApplication.CreateBuilder(args);
 var isProduction = builder.Environment.IsProduction();
 
+// Serilog 설정
+builder.Host.UseSerilog((context, config) =>
+{
+    config
+        .MinimumLevel.Information()
+        .WriteTo.Console()
+        .WriteTo.File(
+            path: "logs/taxbaik-.log",
+            rollingInterval: RollingInterval.Day,
+            outputTemplate: "[{Timestamp:yyyy-MM-dd HH:mm:ss.fff zzz}] [{Level:u3}] {Message:lj}{NewLine}{Exception}")
+        .Enrich.FromLogContext()
+        .Enrich.WithProperty("Environment", context.HostingEnvironment.EnvironmentName);
+});
+
 // Controllers (API)
 builder.Services.AddControllers();
 builder.Services.AddProblemDetails();
@@ -72,6 +87,9 @@ builder.Services.AddAuthorizationCore();
 // Notifications (SignalR)
 builder.Services.AddScoped<INotificationService, NotificationService>();
 
+// Telegram Notification
+builder.Services.AddHttpClient<ITelegramNotificationService, TelegramNotificationService>();
+
 // HTTP Client for API (with automatic token refresh)
 builder.Services.AddScoped<ITokenStore, TokenStore>();
 builder.Services.AddScoped<TokenRefreshHandler>();
@@ -202,4 +220,39 @@ app.MapRazorComponents<TaxBaik.Web.Components.Admin.App>()
    .AddInteractiveServerRenderMode()
    .AllowAnonymous();
 
-app.Run();
+// 애플리케이션 시작/종료 로깅
+try
+{
+    Log.Information("애플리케이션 시작: {Environment}", app.Environment.EnvironmentName);
+    if (!app.Environment.IsDevelopment())
+    {
+        using (var scope = app.Services.CreateScope())
+        {
+            var telegramService = scope.ServiceProvider.GetRequiredService<ITelegramNotificationService>();
+            await telegramService.SendInfoAsync(
+                "서버 시작",
+                $"환경: {app.Environment.EnvironmentName}");
+        }
+    }
+    app.Run();
+}
+catch (Exception ex)
+{
+    Log.Fatal(ex, "애플리케이션 강종");
+    if (!app.Environment.IsDevelopment())
+    {
+        using (var scope = app.Services.CreateScope())
+        {
+            var telegramService = scope.ServiceProvider.GetRequiredService<ITelegramNotificationService>();
+            await telegramService.SendErrorAsync(
+                "서버 오류",
+                $"환경: {app.Environment.EnvironmentName}\n오류: {ex.Message}");
+        }
+    }
+    throw;
+}
+finally
+{
+    Log.Information("애플리케이션 종료");
+    Log.CloseAndFlush();
+}
diff --git a/TaxBaik.Web/Services/AnnouncementBrowserClient.cs b/TaxBaik.Web/Services/AnnouncementBrowserClient.cs
index 0b46980..7ab0b00 100644
--- a/TaxBaik.Web/Services/AnnouncementBrowserClient.cs
+++ b/TaxBaik.Web/Services/AnnouncementBrowserClient.cs
@@ -1,5 +1,6 @@
 namespace TaxBaik.Web.Services;
 
+using System.Net.Http;
 using System.Net.Http.Json;
 using TaxBaik.Application.DTOs;
 using TaxBaik.Domain.Entities;
@@ -17,17 +18,28 @@ public class AnnouncementBrowserClient : IAnnouncementBrowserClient
 {
     private readonly HttpClient _http;
     private readonly ILogger<AnnouncementBrowserClient> _logger;
+    private readonly ITokenStore _tokenStore;
 
-    public AnnouncementBrowserClient(HttpClient http, ILogger<AnnouncementBrowserClient> logger)
+    public AnnouncementBrowserClient(HttpClient http, ILogger<AnnouncementBrowserClient> logger, ITokenStore tokenStore)
     {
         _http = http;
         _logger = logger;
+        _tokenStore = tokenStore;
+    }
+
+    private void EnsureAuthHeader()
+    {
+        if (!string.IsNullOrEmpty(_tokenStore.AccessToken) && !_http.DefaultRequestHeaders.Contains("Authorization"))
+        {
+            _http.DefaultRequestHeaders.Authorization = new("Bearer", _tokenStore.AccessToken);
+        }
     }
 
     public async Task<IEnumerable<Announcement>> GetAllAsync(CancellationToken ct = default)
     {
         try
         {
+            EnsureAuthHeader();
             var result = await _http.GetFromJsonAsync<AnnouncementListResponse>("announcement", cancellationToken: ct);
             return result?.Data ?? [];
         }
@@ -42,6 +54,7 @@ public class AnnouncementBrowserClient : IAnnouncementBrowserClient
     {
         try
         {
+            EnsureAuthHeader();
             return await _http.GetFromJsonAsync<Announcement>($"announcement/{id}", cancellationToken: ct);
         }
         catch (HttpRequestException ex)
@@ -55,6 +68,7 @@ public class AnnouncementBrowserClient : IAnnouncementBrowserClient
     {
         try
         {
+            EnsureAuthHeader();
             var response = await _http.PostAsJsonAsync("announcement", dto, cancellationToken: ct);
             if (!response.IsSuccessStatusCode) return null;
 
@@ -74,6 +88,7 @@ public class AnnouncementBrowserClient : IAnnouncementBrowserClient
     {
         try
         {
+            EnsureAuthHeader();
             var response = await _http.PutAsJsonAsync($"announcement/{id}", dto, cancellationToken: ct);
             if (!response.IsSuccessStatusCode) return null;
 
@@ -93,6 +108,7 @@ public class AnnouncementBrowserClient : IAnnouncementBrowserClient
     {
         try
         {
+            EnsureAuthHeader();
             var response = await _http.DeleteAsync($"announcement/{id}", cancellationToken: ct);
             return response.IsSuccessStatusCode;
         }
diff --git a/TaxBaik.Web/Services/AuthService.cs b/TaxBaik.Web/Services/AuthService.cs
index 8b420f1..90423bf 100644
--- a/TaxBaik.Web/Services/AuthService.cs
+++ b/TaxBaik.Web/Services/AuthService.cs
@@ -12,15 +12,21 @@ public class AuthService
 {
     private readonly IAdminUserRepository _adminUserRepository;
     private readonly ILogger<AuthService> _logger;
+    private readonly ITelegramNotificationService _telegramService;
     private readonly string _jwtSecretKey;
     private readonly string? _passwordResetToken;
     private readonly int _accessTokenExpirationMinutes = 60;    // Access Token: 1시간 (사용성 향상)
     private readonly int _refreshTokenExpirationMinutes = 10080; // Refresh Token: 7일
 
-    public AuthService(IAdminUserRepository adminUserRepository, ILogger<AuthService> logger, IConfiguration configuration)
+    public AuthService(
+        IAdminUserRepository adminUserRepository,
+        ILogger<AuthService> logger,
+        IConfiguration configuration,
+        ITelegramNotificationService telegramService)
     {
         _adminUserRepository = adminUserRepository;
         _logger = logger;
+        _telegramService = telegramService;
         _jwtSecretKey = configuration["Jwt:SecretKey"] ?? throw new InvalidOperationException("Missing 'Jwt:SecretKey' configuration.");
         _passwordResetToken = configuration["Admin:PasswordResetToken"];
     }
@@ -46,10 +52,16 @@ public class AuthService
         if (!BCrypt.Net.BCrypt.Verify(password, user.PasswordHash))
         {
             _logger.LogWarning("로그인 시도: 잘못된 비밀번호 '{Username}'", username);
+            await _telegramService.SendErrorAsync(
+                "로그인 실패",
+                $"사용자: {username}\n실패 사유: 잘못된 비밀번호");
             return null;
         }
 
         _logger.LogInformation("로그인 성공: {Username}", username);
+        await _telegramService.SendInfoAsync(
+            "관리자 로그인",
+            $"사용자: {username}");
         await _adminUserRepository.UpdateLastLoginAtAsync(user.Id);
         return GenerateTokenPair(user);
     }
diff --git a/TaxBaik.Web/Services/ClientBrowserClient.cs b/TaxBaik.Web/Services/ClientBrowserClient.cs
index c2cc048..a47c484 100644
--- a/TaxBaik.Web/Services/ClientBrowserClient.cs
+++ b/TaxBaik.Web/Services/ClientBrowserClient.cs
@@ -1,5 +1,6 @@
 namespace TaxBaik.Web.Services;
 
+using System.Net.Http;
 using System.Net.Http.Json;
 using TaxBaik.Application.DTOs;
 using TaxBaik.Domain.Entities;
@@ -22,11 +23,21 @@ public class ClientBrowserClient : IClientBrowserClient
 {
     private readonly HttpClient _http;
     private readonly ILogger<ClientBrowserClient> _logger;
+    private readonly ITokenStore _tokenStore;
 
-    public ClientBrowserClient(HttpClient http, ILogger<ClientBrowserClient> logger)
+    public ClientBrowserClient(HttpClient http, ILogger<ClientBrowserClient> logger, ITokenStore tokenStore)
     {
         _http = http;
         _logger = logger;
+        _tokenStore = tokenStore;
+    }
+
+    private void EnsureAuthHeader()
+    {
+        if (!string.IsNullOrEmpty(_tokenStore.AccessToken) && !_http.DefaultRequestHeaders.Contains("Authorization"))
+        {
+            _http.DefaultRequestHeaders.Authorization = new("Bearer", _tokenStore.AccessToken);
+        }
     }
 
     public async Task<(IEnumerable<Client> Items, int Total)> GetPagedAsync(
@@ -34,6 +45,7 @@ public class ClientBrowserClient : IClientBrowserClient
     {
         try
         {
+            EnsureAuthHeader();
             var query = $"client?page={page}&pageSize={pageSize}";
             if (!string.IsNullOrEmpty(status))
                 query += $"&status={status}";
@@ -54,6 +66,7 @@ public class ClientBrowserClient : IClientBrowserClient
     {
         try
         {
+            EnsureAuthHeader();
             return await _http.GetFromJsonAsync<Client>($"client/{id}", cancellationToken: ct);
         }
         catch (HttpRequestException ex)
@@ -67,6 +80,7 @@ public class ClientBrowserClient : IClientBrowserClient
     {
         try
         {
+            EnsureAuthHeader();
             var response = await _http.PostAsJsonAsync("client", dto, cancellationToken: ct);
             if (!response.IsSuccessStatusCode)
                 return null;
@@ -87,6 +101,7 @@ public class ClientBrowserClient : IClientBrowserClient
     {
         try
         {
+            EnsureAuthHeader();
             var response = await _http.PutAsJsonAsync($"client/{id}", dto, cancellationToken: ct);
             if (!response.IsSuccessStatusCode)
                 return null;
@@ -107,6 +122,7 @@ public class ClientBrowserClient : IClientBrowserClient
     {
         try
         {
+            EnsureAuthHeader();
             var response = await _http.DeleteAsync($"client/{id}", cancellationToken: ct);
             return response.IsSuccessStatusCode;
         }
diff --git a/TaxBaik.Web/Services/FaqBrowserClient.cs b/TaxBaik.Web/Services/FaqBrowserClient.cs
index 6c31d99..736b949 100644
--- a/TaxBaik.Web/Services/FaqBrowserClient.cs
+++ b/TaxBaik.Web/Services/FaqBrowserClient.cs
@@ -1,5 +1,6 @@
 namespace TaxBaik.Web.Services;
 
+using System.Net.Http;
 using System.Net.Http.Json;
 using TaxBaik.Domain.Entities;
 
@@ -16,17 +17,28 @@ public class FaqBrowserClient : IFaqBrowserClient
 {
     private readonly HttpClient _http;
     private readonly ILogger<FaqBrowserClient> _logger;
+    private readonly ITokenStore _tokenStore;
 
-    public FaqBrowserClient(HttpClient http, ILogger<FaqBrowserClient> logger)
+    public FaqBrowserClient(HttpClient http, ILogger<FaqBrowserClient> logger, ITokenStore tokenStore)
     {
         _http = http;
         _logger = logger;
+        _tokenStore = tokenStore;
+    }
+
+    private void EnsureAuthHeader()
+    {
+        if (!string.IsNullOrEmpty(_tokenStore.AccessToken) && !_http.DefaultRequestHeaders.Contains("Authorization"))
+        {
+            _http.DefaultRequestHeaders.Authorization = new("Bearer", _tokenStore.AccessToken);
+        }
     }
 
     public async Task<IEnumerable<Faq>> GetAllAsync(CancellationToken ct = default)
     {
         try
         {
+            EnsureAuthHeader();
             var result = await _http.GetFromJsonAsync<FaqListResponse>("faq", cancellationToken: ct);
             return result?.Data ?? [];
         }
@@ -41,6 +53,7 @@ public class FaqBrowserClient : IFaqBrowserClient
     {
         try
         {
+            EnsureAuthHeader();
             return await _http.GetFromJsonAsync<Faq>($"faq/{id}", cancellationToken: ct);
         }
         catch (HttpRequestException ex)
@@ -54,6 +67,7 @@ public class FaqBrowserClient : IFaqBrowserClient
     {
         try
         {
+            EnsureAuthHeader();
             var response = await _http.PostAsJsonAsync("faq", faq, cancellationToken: ct);
             if (!response.IsSuccessStatusCode) return null;
 
@@ -73,6 +87,7 @@ public class FaqBrowserClient : IFaqBrowserClient
     {
         try
         {
+            EnsureAuthHeader();
             var response = await _http.PutAsJsonAsync($"faq/{id}", faq, cancellationToken: ct);
             if (!response.IsSuccessStatusCode) return null;
 
@@ -92,6 +107,7 @@ public class FaqBrowserClient : IFaqBrowserClient
     {
         try
         {
+            EnsureAuthHeader();
             var response = await _http.DeleteAsync($"faq/{id}", cancellationToken: ct);
             return response.IsSuccessStatusCode;
         }
diff --git a/TaxBaik.Web/Services/TaxFilingBrowserClient.cs b/TaxBaik.Web/Services/TaxFilingBrowserClient.cs
index 91c0aac..f0fd6c2 100644
--- a/TaxBaik.Web/Services/TaxFilingBrowserClient.cs
+++ b/TaxBaik.Web/Services/TaxFilingBrowserClient.cs
@@ -1,5 +1,6 @@
 namespace TaxBaik.Web.Services;
 
+using System.Net.Http;
 using System.Net.Http.Json;
 using TaxBaik.Domain.Entities;
 
@@ -20,17 +21,28 @@ public class TaxFilingBrowserClient : ITaxFilingBrowserClient
 {
     private readonly HttpClient _http;
     private readonly ILogger<TaxFilingBrowserClient> _logger;
+    private readonly ITokenStore _tokenStore;
 
-    public TaxFilingBrowserClient(HttpClient http, ILogger<TaxFilingBrowserClient> logger)
+    public TaxFilingBrowserClient(HttpClient http, ILogger<TaxFilingBrowserClient> logger, ITokenStore tokenStore)
     {
         _http = http;
         _logger = logger;
+        _tokenStore = tokenStore;
+    }
+
+    private void EnsureAuthHeader()
+    {
+        if (!string.IsNullOrEmpty(_tokenStore.AccessToken) && !_http.DefaultRequestHeaders.Contains("Authorization"))
+        {
+            _http.DefaultRequestHeaders.Authorization = new("Bearer", _tokenStore.AccessToken);
+        }
     }
 
     public async Task<IEnumerable<TaxFiling>> GetUpcomingAsync(int daysAhead = 30, CancellationToken ct = default)
     {
         try
         {
+            EnsureAuthHeader();
             var result = await _http.GetFromJsonAsync<TaxFilingListResponse>(
                 $"tax-filing/upcoming?daysAhead={daysAhead}", cancellationToken: ct);
             return result?.Data ?? [];
@@ -46,6 +58,7 @@ public class TaxFilingBrowserClient : ITaxFilingBrowserClient
     {
         try
         {
+            EnsureAuthHeader();
             var result = await _http.GetFromJsonAsync<TaxFilingListResponse>(
                 $"tax-filing/client/{clientId}", cancellationToken: ct);
             return result?.Data ?? [];
@@ -61,6 +74,7 @@ public class TaxFilingBrowserClient : ITaxFilingBrowserClient
     {
         try
         {
+            EnsureAuthHeader();
             return await _http.GetFromJsonAsync<TaxFiling>(
                 $"tax-filing/{id}", cancellationToken: ct);
         }
@@ -75,6 +89,7 @@ public class TaxFilingBrowserClient : ITaxFilingBrowserClient
     {
         try
         {
+            EnsureAuthHeader();
             var response = await _http.PostAsJsonAsync("tax-filing", filing, cancellationToken: ct);
             if (!response.IsSuccessStatusCode)
                 return null;
@@ -95,6 +110,7 @@ public class TaxFilingBrowserClient : ITaxFilingBrowserClient
     {
         try
         {
+            EnsureAuthHeader();
             var response = await _http.PutAsJsonAsync($"tax-filing/{id}", filing, cancellationToken: ct);
             if (!response.IsSuccessStatusCode)
                 return null;
@@ -115,6 +131,7 @@ public class TaxFilingBrowserClient : ITaxFilingBrowserClient
     {
         try
         {
+            EnsureAuthHeader();
             var response = await _http.DeleteAsync($"tax-filing/{id}", cancellationToken: ct);
             return response.IsSuccessStatusCode;
         }
diff --git a/TaxBaik.Web/Services/TelegramNotificationService.cs b/TaxBaik.Web/Services/TelegramNotificationService.cs
new file mode 100644
index 0000000..762c367
--- /dev/null
+++ b/TaxBaik.Web/Services/TelegramNotificationService.cs
@@ -0,0 +1,76 @@
+namespace TaxBaik.Web.Services;
+
+using System.Net.Http.Json;
+
+/// <summary>
+/// Telegram Bot 알림 서비스
+/// 중요 로깅 및 오류를 Telegram으로 전송
+/// </summary>
+public interface ITelegramNotificationService
+{
+    Task SendMessageAsync(string message, CancellationToken ct = default);
+    Task SendErrorAsync(string title, string details, CancellationToken ct = default);
+    Task SendInfoAsync(string title, string message, CancellationToken ct = default);
+}
+
+public class TelegramNotificationService : ITelegramNotificationService
+{
+    private readonly HttpClient _httpClient;
+    private readonly ILogger<TelegramNotificationService> _logger;
+    private readonly string _botToken;
+    private readonly string _chatId;
+    private const string TelegramApiUrl = "https://api.telegram.org";
+
+    public TelegramNotificationService(
+        HttpClient httpClient,
+        ILogger<TelegramNotificationService> logger,
+        IConfiguration config)
+    {
+        _httpClient = httpClient;
+        _logger = logger;
+        _botToken = config["Telegram:BotToken"] ?? "";
+        _chatId = config["Telegram:ChatId"] ?? "";
+    }
+
+    public async Task SendMessageAsync(string message, CancellationToken ct = default)
+    {
+        if (string.IsNullOrEmpty(_botToken) || string.IsNullOrEmpty(_chatId))
+        {
+            _logger.LogWarning("Telegram credentials not configured");
+            return;
+        }
+
+        try
+        {
+            var url = $"{TelegramApiUrl}/bot{_botToken}/sendMessage";
+            var payload = new
+            {
+                chat_id = _chatId,
+                text = message,
+                parse_mode = "HTML"
+            };
+
+            var response = await _httpClient.PostAsJsonAsync(url, payload, cancellationToken: ct);
+            if (!response.IsSuccessStatusCode)
+            {
+                _logger.LogError("Failed to send Telegram message: {StatusCode}", response.StatusCode);
+            }
+        }
+        catch (Exception ex)
+        {
+            _logger.LogError(ex, "Error sending Telegram message");
+        }
+    }
+
+    public async Task SendErrorAsync(string title, string details, CancellationToken ct = default)
+    {
+        var message = $"<b>❌ {title}</b>\n\n{details}\n\n<i>{DateTime.UtcNow:yyyy-MM-dd HH:mm:ss} UTC</i>";
+        await SendMessageAsync(message, ct);
+    }
+
+    public async Task SendInfoAsync(string title, string message, CancellationToken ct = default)
+    {
+        var text = $"<b>ℹ️ {title}</b>\n\n{message}\n\n<i>{DateTime.UtcNow:yyyy-MM-dd HH:mm:ss} UTC</i>";
+        await SendMessageAsync(text, ct);
+    }
+}
diff --git a/TaxBaik.Web/TaxBaik.Web.csproj b/TaxBaik.Web/TaxBaik.Web.csproj
index b17e71b..6c05a86 100644
--- a/TaxBaik.Web/TaxBaik.Web.csproj
+++ b/TaxBaik.Web/TaxBaik.Web.csproj
@@ -17,6 +17,9 @@
     <PackageReference Include="System.IdentityModel.Tokens.Jwt" Version="8.19.1" />
     <PackageReference Include="Microsoft.IdentityModel.Tokens" Version="8.19.1" />
     <PackageReference Include="Microsoft.AspNetCore.Authentication.JwtBearer" Version="10.0.9" />
+    <PackageReference Include="Serilog.AspNetCore" Version="8.0.1" />
+    <PackageReference Include="Serilog.Sinks.Console" Version="6.0.0" />
+    <PackageReference Include="Serilog.Sinks.File" Version="5.0.0" />
   </ItemGroup>
 
 </Project>
diff --git a/TaxBaik.Web/appsettings.json b/TaxBaik.Web/appsettings.json
index 909ee40..df573f3 100644
--- a/TaxBaik.Web/appsettings.json
+++ b/TaxBaik.Web/appsettings.json
@@ -18,8 +18,8 @@
     "BaseUrl": "http://localhost:5001/taxbaik/api/"
   },
   "Telegram": {
-    "BotToken": "",
-    "ChatId": ""
+    "BotToken": "8679990909:AAGLLRUIAuEbYAZVGOYDu-UuTu4ihroEiX0",
+    "ChatId": "-5585148480"
   },
   "Admin": {
     "PasswordResetToken": "dev-reset-token-12345"
diff --git a/debug-settings.js b/debug-settings.js
new file mode 100644
index 0000000..8b21a9a
--- /dev/null
+++ b/debug-settings.js
@@ -0,0 +1,57 @@
+import { chromium } from '@playwright/test';
+
+const browser = await chromium.launch();
+const page = await browser.newPage();
+
+try {
+  // 1. 로그인
+  console.log('🔓 로그인 중...');
+  await page.goto('http://178.104.200.7/taxbaik/admin/login', { waitUntil: 'networkidle' });
+  await page.fill('input[placeholder="사용자명"]', 'test_admin');
+  await page.fill('input[placeholder="비밀번호"]', 'TestAdmin@123456');
+  await page.click('button:has-text("로그인")');
+  await page.waitForURL(/\/taxbaik\/admin\/dashboard$/, { timeout: 10000 });
+  console.log('✅ 로그인 성공');
+
+  // 2. Settings 페이지로 이동
+  console.log('\n📍 Settings 페이지로 이동...');
+  await page.goto('http://178.104.200.7/taxbaik/admin/settings', { waitUntil: 'domcontentloaded' });
+  
+  // 3. 다양한 대기 전략 시도
+  console.log('⏳ 페이지 로드 대기 중...');
+  
+  for (let i = 1; i <= 5; i++) {
+    await page.waitForTimeout(1000);
+    const title = await page.locator('h4:has-text("설정")').count();
+    const body = await page.locator('body').evaluate(el => el.innerHTML.length);
+    const mudComponents = await page.locator('[class*="mud-"]').count();
+    
+    console.log(`시도 ${i}: body=${body}bytes, mud=${mudComponents}, title=${title}`);
+    
+    if (mudComponents > 10 && body > 5000) {
+      console.log('✅ 페이지 렌더링 감지됨!');
+      break;
+    }
+  }
+  
+  // 4. 최종 상태 확인
+  console.log('\n📊 최종 상태:');
+  const hasContent = await page.locator('body').evaluate(el => el.innerText.length > 100);
+  const hasComponents = await page.locator('[class*="mud-"]').count();
+  
+  console.log(`- 텍스트 콘텐츠: ${hasContent ? '있음' : '없음'}`);
+  console.log(`- MudBlazor 컴포넌트: ${hasComponents}개`);
+  
+  if (!hasContent) {
+    console.log('\n❌ Settings 페이지 렌더링 실패');
+    console.log('HTML 스니펫:');
+    const html = await page.content();
+    const bodyMatch = html.match(/<body[^>]*>([\s\S]{0,500})/);
+    if (bodyMatch) console.log(bodyMatch[1]);
+  }
+  
+} catch (error) {
+  console.error('❌ 에러:', error.message);
+}
+
+await browser.close();
diff --git a/final-test.js b/final-test.js
new file mode 100644
index 0000000..3ab985d
--- /dev/null
+++ b/final-test.js
@@ -0,0 +1,52 @@
+import { chromium } from '@playwright/test';
+
+const browser = await chromium.launch();
+const page = await browser.newPage();
+
+try {
+  console.log('🧪 최종 테스트: Settings 페이지 로딩 인디케이터');
+  console.log('');
+
+  // 로그인
+  await page.goto('http://178.104.200.7/taxbaik/admin/login', { waitUntil: 'networkidle' });
+  await page.fill('input[placeholder="사용자명"]', 'test_admin');
+  await page.fill('input[placeholder="비밀번호"]', 'TestAdmin@123456');
+  await page.click('button:has-text("로그인")');
+  await page.waitForURL(/\/taxbaik\/admin\/dashboard$/);
+  console.log('✅ 로그인 성공');
+
+  // Settings 페이지로 이동
+  console.log('📍 Settings 페이지로 이동...');
+  await page.goto('http://178.104.200.7/taxbaik/admin/settings', { waitUntil: 'domcontentloaded' });
+
+  // 로딩 인디케이터 상태 확인
+  console.log('');
+  console.log('⏱️ 로딩 상태 모니터링:');
+  
+  for (let i = 1; i <= 5; i++) {
+    await page.waitForTimeout(500);
+    
+    const loadingVisible = await page.locator('#blazor-loading.show').isVisible().catch(() => false);
+    const mudCount = await page.locator('[class*="mud-"]').count();
+    const formElements = await page.locator('input, .admin-section-header').count();
+    
+    console.log(`  ${i}초: Loading=${loadingVisible ? '보임' : '안보임'}, Mud=${mudCount}, Form=${formElements}`);
+    
+    if (!loadingVisible && mudCount > 20) {
+      console.log('');
+      console.log('✅ 로딩 인디케이터 정상 작동!');
+      console.log('   → 페이지 로드 중: 스피너 표시');
+      console.log('   → 페이지 완료: 스피너 숨김');
+      break;
+    }
+  }
+
+  // 스크린샷
+  await page.screenshot({ path: 'settings-final.png' });
+  console.log('✅ 스크린샷 저장: settings-final.png');
+  
+} catch (error) {
+  console.error('❌ 오류:', error.message);
+}
+
+await browser.close();
diff --git a/settings-page.png b/settings-page.png
new file mode 100644
index 0000000..f3f54a6
Binary files /dev/null and b/settings-page.png differ
diff --git a/test-settings.js b/test-settings.js
new file mode 100644
index 0000000..98bc960
--- /dev/null
+++ b/test-settings.js
@@ -0,0 +1,45 @@
+import { chromium } from '@playwright/test';
+
+const browser = await chromium.launch();
+const page = await browser.newPage();
+
+try {
+  console.log('📍 1. Login page 접속...');
+  await page.goto('http://178.104.200.7/taxbaik/admin/login', { waitUntil: 'networkidle' });
+  
+  console.log('📍 2. 로그인 입력...');
+  await page.fill('input[placeholder="사용자명"]', 'test_admin');
+  await page.fill('input[placeholder="비밀번호"]', 'TestAdmin@123456');
+  await page.click('button:has-text("로그인")');
+  
+  console.log('📍 3. Dashboard 로드 대기...');
+  await page.waitForURL(/\/taxbaik\/admin\/dashboard$/, { timeout: 10000 });
+  console.log('✅ Dashboard로 이동 성공');
+  
+  console.log('📍 4. Settings page 접속...');
+  await page.goto('http://178.104.200.7/taxbaik/admin/settings', { waitUntil: 'domcontentloaded' });
+  
+  console.log('📍 5. Settings 페이지 렌더링 대기...');
+  await page.waitForTimeout(1500);
+  
+  console.log('📍 6. 페이지 콘텐츠 확인...');
+  const formElements = await page.locator('input, button, .admin-section-header').count();
+  
+  console.log(`✅ 렌더링된 폼 요소: ${formElements}개`);
+  
+  if (formElements > 5) {
+    console.log('✅ Settings 페이지 완전 렌더링됨 (흰 화면 없음)');
+  } else {
+    console.log('⚠️ Settings 페이지 부분 렌더링됨');
+  }
+  
+  console.log('📍 7. 스크린샷 저장...');
+  await page.screenshot({ path: 'settings-page.png' });
+  console.log('✅ settings-page.png 저장됨');
+  
+} catch (error) {
+  console.error('❌ 테스트 실패:', error.message);
+  process.exit(1);
+}
+
+await browser.close();
diff --git a/tests/e2e/dashboard-check.spec.ts b/tests/e2e/dashboard-check.spec.ts
new file mode 100644
index 0000000..b8767e4
--- /dev/null
+++ b/tests/e2e/dashboard-check.spec.ts
@@ -0,0 +1,50 @@
+import { test } from '@playwright/test';
+
+test('check dashboard metrics', async ({ page }) => {
+  const baseUrl = 'http://178.104.200.7/taxbaik';
+
+  // Login
+  await page.goto(`${baseUrl}/admin/login`);
+  await page.fill('input[placeholder="사용자명"]', 'test_admin');
+  await page.fill('input[placeholder="비밀번호"]', 'TestAdmin@123456');
+  await page.click('button[type="submit"]');
+  await page.waitForURL(/admin\/dashboard/);
+
+  // Wait for page load
+  await page.waitForSelector('.admin-page-hero', { timeout: 5000 });
+  await page.waitForTimeout(2000);
+
+  // Check for metric cards
+  const metrics = page.locator('.admin-metric-card');
+  const metricCount = await metrics.count();
+  console.log(`\nFound ${metricCount} metric cards`);
+
+  // Log each metric value
+  for (let i = 0; i < Math.min(metricCount, 4); i++) {
+    const metric = metrics.nth(i);
+    const text = await metric.textContent();
+    console.log(`  Metric ${i + 1}: ${text?.trim().slice(0, 100)}`);
+  }
+
+  // Check for data in main content area
+  const contentText = await page.locator('body').textContent();
+  const has총문의 = contentText?.includes('총 문의') || false;
+  const has신규문의 = contentText?.includes('신규 문의') || false;
+  const has활성공지 = contentText?.includes('활성 공지') || false;
+  const has예정세무신고 = contentText?.includes('예정 세무신고') || false;
+
+  console.log(`\nDashboard content check:`);
+  console.log(`  - 총 문의: ${has총문의}`);
+  console.log(`  - 신규 문의: ${has신규문의}`);
+  console.log(`  - 활성 공지: ${has활성공지}`);
+  console.log(`  - 예정 세무신고: ${has예정세무신고}`);
+
+  // Try to get text content from specific areas
+  const dashContent = await page.locator('.admin-content').textContent();
+  if (dashContent) {
+    console.log(`\nDashboard content length: ${dashContent.length}`);
+    // Check if there are numbers
+    const numbers = dashContent.match(/\d+/g) || [];
+    console.log(`Numbers found: ${numbers.slice(0, 10).join(', ')}`);
+  }
+});
diff --git a/tests/e2e/full-admin-pages.spec.ts b/tests/e2e/full-admin-pages.spec.ts
new file mode 100644
index 0000000..8c3bcb7
--- /dev/null
+++ b/tests/e2e/full-admin-pages.spec.ts
@@ -0,0 +1,96 @@
+import { test, expect } from '@playwright/test';
+
+test('production: verify all admin pages load correctly', async ({ page }) => {
+  const baseUrl = 'http://178.104.200.7/taxbaik';
+
+  // Login
+  console.log('🔐 Logging in...');
+  await page.goto(`${baseUrl}/admin/login`);
+  await page.fill('input[placeholder="사용자명"]', 'test_admin');
+  await page.fill('input[placeholder="비밀번호"]', 'TestAdmin@123456');
+  await page.click('button[type="submit"]');
+  await page.waitForURL(/admin\/dashboard/);
+  console.log('✓ Login successful\n');
+
+  const pageHero = page.locator('.admin-page-hero').first();
+  const loadingOverlay = page.locator('#blazor-loading');
+
+  // List of all admin pages to test (using direct URLs)
+  const pages = [
+    { name: '📊 Dashboard', url: `${baseUrl}/admin/dashboard`, hasData: false },
+    { name: '👥 Clients', url: `${baseUrl}/admin/clients`, hasData: true },
+    { name: '📅 Tax Filings', url: `${baseUrl}/admin/tax-filings`, hasData: true },
+    { name: '📢 Announcements', url: `${baseUrl}/admin/announcements`, hasData: false },
+    { name: '❓ FAQs', url: `${baseUrl}/admin/faqs`, hasData: true },
+    { name: '📝 Blog', url: `${baseUrl}/admin/blog`, hasData: true },
+    { name: '🎭 Season Simulator', url: `${baseUrl}/admin/season-simulator`, hasData: false },
+    { name: '❔ Inquiries', url: `${baseUrl}/admin/inquiries`, hasData: true },
+    { name: '⚙️ Settings', url: `${baseUrl}/admin/settings`, hasData: false },
+  ];
+
+  for (const pageInfo of pages) {
+    console.log(`${'─'.repeat(60)}`);
+    console.log(`Testing: ${pageInfo.name}`);
+    console.log(`URL: ${pageInfo.url}`);
+    console.log(`${'─'.repeat(60)}`);
+
+    const startTime = Date.now();
+
+    try {
+      // Navigate to page
+      await page.goto(pageInfo.url);
+
+      // Wait for page hero or basic element
+      try {
+        await pageHero.waitFor({ state: 'visible', timeout: 3000 });
+        console.log(`  ✓ Page hero visible`);
+      } catch {
+        // Some pages might not have page hero, that's OK
+      }
+
+      // Check if page loaded successfully by looking for content
+      const pageContent = page.locator('body').first();
+      await pageContent.waitFor({ state: 'visible', timeout: 5000 });
+
+      // Wait for data if expected
+      if (pageInfo.hasData) {
+        try {
+          // Try to find table rows
+          await page.waitForSelector('tbody tr', { timeout: 8000 });
+          const rowCount = await page.locator('tbody tr').count();
+          if (rowCount > 0) {
+            console.log(`  ✓ Data loaded: ${rowCount} rows`);
+          } else {
+            console.log(`  ⚠️  Table found but no rows`);
+          }
+        } catch {
+          console.log(`  ℹ️  No table data (may not have table)`);
+        }
+      }
+
+      // Verify overlay is hidden
+      const overlayShown = await loadingOverlay.evaluate((el: HTMLElement) =>
+        el.classList.contains('show')
+      ).catch(() => false);
+
+      if (!overlayShown) {
+        console.log(`  ✓ Loading overlay hidden`);
+      } else {
+        console.log(`  ⚠️  Loading overlay still visible`);
+      }
+
+      const totalTime = Date.now() - startTime;
+      console.log(`  ⏱️  Load time: ${totalTime}ms`);
+      console.log(`  ✅ PAGE LOADED SUCCESSFULLY\n`);
+    } catch (error) {
+      const totalTime = Date.now() - startTime;
+      console.log(`  ❌ FAILED: ${error}`);
+      console.log(`  ⏱️  Time: ${totalTime}ms\n`);
+      throw error;
+    }
+  }
+
+  console.log(`${'═'.repeat(60)}`);
+  console.log('✅ ALL PAGES VERIFIED SUCCESSFULLY');
+  console.log(`${'═'.repeat(60)}`);
+});