refactor: UniversalListPage externalIsLoading 지원 및 스켈레톤 개선

- UniversalListPage에 externalIsLoading prop 추가
- CardTransactionDetailClient DevFill 자동입력 기능 추가
- 여러 컴포넌트 로딩 상태 처리 개선
- skeleton 컴포넌트 확장

Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>

src/components/settings/RankManagement/index.tsx

@@ -4,7 +4,7 @@ import { useState, useEffect, useCallback } from 'react';
 import { PageLayout } from '@/components/organisms/PageLayout';
 import { PageHeader } from '@/components/organisms/PageHeader';
 import { Award, Plus, GripVertical, Pencil, Trash2, Loader2 } from 'lucide-react';
-import { ContentLoadingSpinner } from '@/components/ui/loading-spinner';
+import { ContentSkeleton } from '@/components/ui/skeleton';
 import { Button } from '@/components/ui/button';
 import { Input } from '@/components/ui/input';
 import { Card, CardContent } from '@/components/ui/card';
@@ -252,7 +252,7 @@ export function RankManagement() {
         <Card>
           <CardContent className="p-0">
             {isLoading ? (
-              <ContentLoadingSpinner text="직급 목록을 불러오는 중..." />
+              <ContentSkeleton type="list" rows={5} />
             ) : (
               <div className="divide-y">
                 {ranks.map((rank, index) => (