ENH - polish weather refresh experience

Migrate the Weather app to the Sky UI primitives with richer condition effects, updated WebP icons, and pull-to-refresh feedback.\n\nAdd a shared reload cooldown for weather, banking, and housing actions, including localized status feedback and test-server coverage.

frontend/src/utils/reload-cooldown.test.ts

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+import { describe, expect, it } from 'vitest'
+
+import {
+  allowManualReload,
+  isReloadCooldownActive,
+} from '@/utils/reload-cooldown'
+
+describe('reload cooldown', () => {
+  it('blocks after too many reloads in a short window and recovers', () => {
+    const state = { cooldownUntil: 0, reloadAttempts: [] as number[] }
+
+    expect(allowManualReload(state, 1_000)).toBe(true)
+    expect(allowManualReload(state, 2_000)).toBe(true)
+    expect(allowManualReload(state, 3_000)).toBe(true)
+    expect(allowManualReload(state, 4_000)).toBe(false)
+    expect(isReloadCooldownActive(state, 13_999)).toBe(true)
+    expect(isReloadCooldownActive(state, 14_000)).toBe(false)
+    expect(allowManualReload(state, 14_000)).toBe(true)
+  })
+
+  it('forgets reloads outside the rolling window', () => {
+    const state = { cooldownUntil: 0, reloadAttempts: [] as number[] }
+
+    expect(allowManualReload(state, 1_000)).toBe(true)
+    expect(allowManualReload(state, 12_000)).toBe(true)
+    expect(state.reloadAttempts).toEqual([12_000])
+  })
+})

frontend/src/utils/reload-cooldown.ts

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+export const RELOAD_COOLDOWN_ERROR = 'reload_cooldown'
+
+const RELOAD_LIMIT = 3
+const RELOAD_WINDOW_MS = 10_000
+const RELOAD_COOLDOWN_MS = 10_000
+
+export interface ReloadCooldownState {
+  cooldownUntil: number
+  reloadAttempts: number[]
+}
+
+export function isReloadCooldownActive(
+  state: ReloadCooldownState,
+  now = Date.now(),
+): boolean {
+  if (state.cooldownUntil <= now) {
+    state.cooldownUntil = 0
+    return false
+  }
+  return true
+}
+
+export function allowManualReload(
+  state: ReloadCooldownState,
+  now = Date.now(),
+): boolean {
+  if (isReloadCooldownActive(state, now)) return false
+
+  state.reloadAttempts = state.reloadAttempts.filter(
+    (attemptedAt) => now - attemptedAt < RELOAD_WINDOW_MS,
+  )
+  if (state.reloadAttempts.length >= RELOAD_LIMIT) {
+    state.cooldownUntil = now + RELOAD_COOLDOWN_MS
+    state.reloadAttempts = []
+    return false
+  }
+
+  state.reloadAttempts.push(now)
+  return true
+}