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- Show rate-limited message instead of generic "Failed to load" on Markets, ETF, Commodities, and Sector panels when Yahoo returns 429 - fetchYahooQuotesBatch returns rateLimited flag; early-exit after 3 misses - ETF panel skips retry loop when rate-limited, shows specific i18n message - Fallback Finnhub symbols through Yahoo when API key missing - 401-retry in runtime fetch patch for stale sidecar token after restart - diagFetch auth helper for settings window diagnostic endpoints - Verbose toggle writes to writable dataDir instead of read-only app bundle