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