fix(client): resolve all 13 exhaustive-deps warnings (R2b)

- BankSyncSection: handleBtSave read btLateGraceDays but it was missing from the
  useCallback deps -> saving could persist a STALE late-grace value (real bug).
- ProfilePage: EditProfile sync effect now depends on [profile].
- Stabilized identity of derived arrays/objects feeding useMemo deps (they were
  recreated every render, defeating memoization): TrackerPage filters + rows,
  HealthPage bills, BankTransactionsPage transactions -> wrapped in useMemo.
- BillModal + TransactionMatchingSection: intentional id/filter-scoped effects
  documented with a targeted eslint-disable + reason.
- Removed 2 stale eslint-disable directives (confirm-dialog, useAuth).

exhaustive-deps + rules-of-hooks now both 0. Build + client tests green.

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

client/components/BillModal.jsx

@@ -176,6 +176,9 @@ export default function BillModal({ bill, initialBill, categories, onClose, onSa
   useEffect(() => {
     loadPayments();
     loadLinkedTransactions();
+    // Intentional: reload only when the bill identity changes. The loaders are
+    // recreated each render, so listing them would reload on every render.
+    // eslint-disable-next-line react-hooks/exhaustive-deps
   }, [bill?.id]);
 
   // Imported payments (via sync or a merchant-rule historical import) must

client/components/data/BankSyncSection.jsx

@@ -380,7 +380,7 @@ export default function BankSyncSection({ onConnectionChange, cardProps = {} })
     } finally {
       setBtSaving(false);
     }
-  }, [btEnabled, btAccountId, btPendingDays]);
+  }, [btEnabled, btAccountId, btPendingDays, btLateGraceDays]);
 
   const handleAcmSave = useCallback(async (next) => {
     setAcmSaving(true);

client/components/data/TransactionMatchingSection.jsx

@@ -256,6 +256,8 @@ export default function TransactionMatchingSection({ refreshKey, simplefinConn,
   };
 
   useEffect(() => { loadBills(); }, []);
+  // Intentional: reset + reload page 1 when the filter or refresh key changes.
+  // eslint-disable-next-line react-hooks/exhaustive-deps
   useEffect(() => { setSearch(''); setPage(1); loadTransactions(1, ''); }, [filter, refreshKey]);
   useEffect(() => { loadSuggestions(); }, [refreshKey]);
   useEffect(() => {

client/components/ui/confirm-dialog.jsx

@@ -157,7 +157,6 @@ export function useConfirm() {
         onConfirm={handleConfirm}
       />
     ),
-    // eslint-disable-next-line react-hooks/exhaustive-deps
     [state, handleConfirm, handleOpenChange]
   );
 

client/hooks/useAuth.jsx

@@ -20,7 +20,7 @@ export function AuthProvider({ children }) {
     }).catch(err => console.error('[useAuth] authMode check failed', err));
 
     api.me().then(applyMeResponse).catch(() => setUser(null));
-  }, []); // eslint-disable-line
+  }, []);
 
   const logout = async () => {
     await api.logout();

client/pages/BankTransactionsPage.jsx

@@ -545,7 +545,7 @@ export default function BankTransactionsPage() {
   }, [updateTransaction, loadLedger]);
 
   const accounts = ledger?.accounts || [];
-  const transactions = ledger?.transactions || [];
+  const transactions = useMemo(() => ledger?.transactions || [], [ledger]);
   const summary = ledger?.summary || {};
   const total = Number(ledger?.total || 0);
   const totalPages = Math.max(1, Math.ceil(total / PAGE_SIZE));

client/pages/HealthPage.jsx

@@ -161,7 +161,7 @@ export default function HealthPage() {
   }, [load]);
 
   const summary = data?.summary || {};
-  const bills = data?.bills || [];
+  const bills = useMemo(() => data?.bills || [], [data]);
   const sortedBills = useMemo(() => [...bills].sort((a, b) => {
     const aErrors = a.issues.filter(issue => issue.severity === 'error').length;
     const bErrors = b.issues.filter(issue => issue.severity === 'error').length;

client/pages/ProfilePage.jsx

@@ -333,7 +333,7 @@ function EditProfile({ profile, onSaved }) {
 
   useEffect(() => {
     setDisplayName(displayNameOf(profile));
-  }, [profile.display_name, profile.displayName, profile.name]);
+  }, [profile]);
 
   const save = async () => {
     setSaving(true);

client/pages/TrackerPage.jsx

@@ -205,7 +205,9 @@ export default function TrackerPage() {
   const year   = Number(searchParams.get('year'))  || now.getFullYear();
   const month  = Number(searchParams.get('month')) || (now.getMonth() + 1);
   const search = searchParams.get('q') || '';
-  const filters = {
+  // Stable identity so the memo that filters rows on `filters` doesn't recompute
+  // every render (a new object literal each render would defeat it).
+  const filters = useMemo(() => ({
     category:        searchParams.get('fc') || FILTER_ALL,
     cycle:           searchParams.get('cy') || FILTER_ALL,
     autopay:         searchParams.get('ap') === '1',
@@ -214,7 +216,7 @@ export default function TrackerPage() {
     unpaid:          searchParams.get('un') === '1',
     overdue:         searchParams.get('ov') === '1',
     debt:            searchParams.get('de') === '1',
-  };
+  }), [searchParams]);
   const sortKey = normalizeTrackerSortKey(searchParams.get('sort') || TRACKER_SORT_DEFAULT);
   const hasSort = sortKey !== TRACKER_SORT_DEFAULT;
   const sortDir = hasSort
@@ -381,7 +383,7 @@ export default function TrackerPage() {
     updateParams({ year: n.getFullYear(), month: n.getMonth() + 1 });
   }
 
-  const rows         = orderedRows || data?.rows || [];
+  const rows         = useMemo(() => orderedRows || data?.rows || [], [orderedRows, data]);
   const summary      = data?.summary || {};
   const bankTracking = data?.bank_tracking;
   const cashflow     = data?.cashflow;