=LAMBDA(날짜,[통화],[통화표시],
			LET(date,날짜,
				curr,통화,
				print_header,통화표시,
				is_header,OR(ISOMITTED(curr),curr="",N(print_header)),
				curr_list,{"USD";"JPY";"EUR";"GBP";"CAD";"CHF";"AUD";"NZD";"CNH";"HKD";"TWD";"MNT";"KZT";"THB";"SGD";"IDR";"MYR";"PHP";"VND";"BND";"INR";"PKR";"BDT";"KHR";"MOP";"NPR";"LKR";"UZS";"MMK";"MXN";"BRL";"ARS";"CLP";"COP";"SEK";"DKK";"NOK";"RUB";"HUF";"PLN";"CZK";"RON";"SAR";"QAR";"ILS";"JOD";"KWD";"BHD";"AED";"TRY";"OMR";"ZAR";"EGP";"KES";"LYD";"ETB";"FJD"},
				url,"http://www.smbs.biz/Flash/TodayExRate_flash.jsp?tr_date="&TEXT(date,"yyyy-mm-dd"),
				print_list,IF(ISOMITTED(curr),curr_list,curr),
				result,SUBSTITUTE(WEBSERVICE(url),"?test0=test&",""),
				tocol_result,DROP(TEXTSPLIT(result,,"&&"),-1),
				pos_1,FIND("&",tocol_result),
				pos_2,FIND("&",tocol_result,pos_1+1),
				fin_result,MID(tocol_result,pos_1+1,pos_2-pos_1-1),
				arr_result,TEXTSPLIT(TEXTJOIN("|",,fin_result),"=","|"),
				arr_value,IFERROR(VLOOKUP(print_list,arr_result,2,0),"-"),
				IF(is_header,HSTACK(print_list,arr_value),arr_value)
			)
)