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/cards/ui/CardsPage/CardsPage.vm.ts

@@ -39,6 +39,8 @@ function useCardsPageVm() {
 			setArchive(event.currentTarget.checked),
 		onCategories: () => setManagingCategories(true),
 		period,
+		retryCards: () => cards.refetch(),
+		retrySummary: () => summary.refetch(),
 		setPeriod: (value: [null | string, null | string]) => {
 			if (value[0] && value[1]) setParameters({ from: value[0], to: value[1] });
 		},