fix(auth,bank): guard switch-auth nav and surface banking retry

AuthForm disables the switch-auth Link while submit is pending so pointer
click and Enter can no longer leave the auth route and lose the draft/error
context. The form restores a true Link after the request settles.

CardsPage/CardPage distinguish cold vs cached banking failures:
- cold card/section errors expose accessible alert + retry
- cached failures keep the previous data and offer a section GET retry
- summary-only/history-only outages do not hide successful sections
- notFound still skips the retry CTA

Tests cover the pending link guard, cold/cached cards error with retry,
summary failure with retry, and the prerequisite card list recovery.

Closes #56, #57

src/pages/card/ui/CardPage/CardPage.test.tsx

@@ -316,12 +316,47 @@ describe("CardPage", () => {
 		setup({ summaryError: true });
 		await screen.findByRole("heading", { name: "Повседневная" });
 		expect(
-			screen.queryByRole("alert"),
-		).not.toBeInTheDocument();
+			await screen.findByText("Перевод на «Запасная»"),
+		).toBeInTheDocument();
+		expect(await screen.findByRole("alert", {}, { timeout: 5000 })).toHaveTextContent(
+			"Не удалось загрузить данные карт.",
+		);
+		expect(screen.queryByText("0 ₽")).not.toBeInTheDocument();
+	});
+
+	it("recovers summary with retry while keeping card and journal", async () => {
+		const { summaryRequests } = setup({ summaryError: true });
+		await screen.findByRole("heading", { name: "Повседневная" });
 		expect(
 			await screen.findByText("Перевод на «Запасная»"),
 		).toBeInTheDocument();
-		expect(screen.queryByText("0 ₽")).not.toBeInTheDocument();
+
+		const retry = await screen.findByRole(
+			"button",
+			{ name: "Повторить" },
+			{ timeout: 5000 },
+		);
+
+		const requestsBefore = summaryRequests.length;
+		server.use(
+			http.get("*/api/v1/bank-cards/summary", ({ request }) => {
+				summaryRequests.push(new URL(request.url).search);
+
+				return HttpResponse.json({
+					cardId: "a",
+					categories: [],
+					expenses: money("0"),
+					net: money("-50"),
+					refunds: money("50"),
+				});
+			}),
+		);
+		fireEvent.click(retry);
+
+		await waitFor(() =>
+			expect(screen.queryByRole("alert")).not.toBeInTheDocument(),
+		);
+		expect(summaryRequests).toHaveLength(requestsBefore + 1);
 	});
 	it("keeps cached card and history after refetch failure", async () => {
 		const { client } = setup();
@@ -331,9 +366,8 @@ describe("CardPage", () => {
 			http.get("*/api/v1/bank-cards/a/operations", () => HttpResponse.error()),
 		);
 		await client.invalidateQueries();
-		await waitFor(() => {
-			expect(screen.queryByRole("alert")).not.toBeInTheDocument();
-		});
+		const alerts = await screen.findAllByRole("alert", {}, { timeout: 5000 });
+		expect(alerts.length).toBeGreaterThanOrEqual(1);
 		expect(
 			screen.getByRole("heading", { name: "Повседневная" }),
 		).toBeInTheDocument();
@@ -401,11 +435,11 @@ describe("CardPage", () => {
 		]);
 	});
 	it("recovers the prerequisite card list while preserving the visible balance and journal", async () => {
-		setup({ cardsError: true });
+		const { client } = setup({ cardsError: true });
 		await screen.findByText("Перевод на «Запасная»");
 		expect(
-			screen.queryByRole("alert"),
-		).not.toBeInTheDocument();
+			await screen.findByRole("alert", {}, { timeout: 5000 }),
+		).toHaveTextContent("Не удалось загрузить данные карт.");
 		expect(
 			screen.getByRole("button", { name: "Добавить операцию" }),
 		).toBeDisabled();
@@ -414,6 +448,7 @@ describe("CardPage", () => {
 				HttpResponse.json([card, { ...card, id: "b", name: "Запасная" }]),
 			),
 		);
+		await client.invalidateQueries();
 		await waitFor(() =>
 			expect(
 				screen.getByRole("button", { name: "Добавить операцию" }),