import { useState, useEffect, useCallback } from 'react'
import { AuthProvider, useAuth } from './contexts/AuthContext'
import { BudgetProvider, useBudget } from './contexts/BudgetContext'
import { ThemeProvider } from './contexts/ThemeContext'
import { usePullToRefresh } from './hooks/usePullToRefresh'
import { api } from './api/client'
import LoginPage from './pages/LoginPage'
import SetupPage from './pages/SetupPage'
import DashboardPage from './pages/DashboardPage'
import ExpensesPage from './pages/ExpensesPage'
import PointagePage from './pages/PointagePage'
import SimulateurPage from './pages/SimulateurPage'
import AdminPage from './pages/AdminPage'
import SettingsPage from './pages/SettingsPage'
import EpargnesPage from './pages/EpargnesPage'
// ── Toast ─────────────────────────────────────────────────────
function Toast({ msg, type }) {
return (