feat: implement folder management and drag-and-drop functionality for accounts, enhancing organization and user experience

lib/hooks.ts

@@ -31,12 +31,21 @@ export function useBankingData() {
     fetchData();
   }, [fetchData]);
 
+  const refreshSilent = useCallback(async () => {
+    try {
+      const fetchedData = await loadData();
+      setData(fetchedData);
+    } catch (err) {
+      console.error("Error silently refreshing banking data:", err);
+    }
+  }, []);
+
   const update = useCallback((newData: BankingData) => {
     // Optimistic update - the actual save happens in individual operations
     setData(newData);
   }, []);
 
-  return { data, isLoading, error, refresh, update };
+  return { data, isLoading, error, refresh, refreshSilent, update };
 }
 
 export function useLocalStorage<T>(key: string, initialValue: T) {