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.vm.ts

@@ -97,13 +97,16 @@ function useCardPageVm() {
 		archivePending: updateCard.isPending,
 		canAddOperation: !card.data?.archivedAt && Boolean(cards.data),
 		card: card.data,
+		cardError: card.error,
 		cardLoading: card.isLoading,
 		cardRefreshError: card.isError,
 		cardRefreshing: card.isFetching,
+		cardRetry: () => card.refetch(),
 		cards: cards.data,
 		cardsFeedback: cards.isError
 			? { cached: Boolean(cards.data), error: cards.error }
 			: undefined,
+		cardsRetry: () => cards.refetch(),
 		closeDeletion: () => setDeleting(null),
 		closeEditing: () => setEditingCard(false),
 		closeOperation: () => setOperation(null),
@@ -112,9 +115,10 @@ function useCardPageVm() {
 		editingCard,
 		history: {
 			changingPage: history.isPlaceholderData,
-			error: history.isError,
+			error: history.error,
 			loading: history.isLoading,
 			page: history.data?.page,
+			refetch: () => history.refetch(),
 		},
 		notFound: isApiErrorCode(
 			apiErrorCode(card.error),
@@ -139,9 +143,10 @@ function useCardPageVm() {
 		},
 		summary: {
 			data: summary.data,
-			error: summary.isError,
+			error: summary.error,
 			fetching: summary.isFetching,
 			loading: summary.isLoading,
+			refetch: () => summary.refetch(),
 		},
 		toggleArchive: () => {
 			if (!card.data) return;