diff --git a/minibank-fraud-web/src/HistoryScreen.tsx b/minibank-fraud-web/src/HistoryScreen.tsx
index bb8badd..de3a9cb 100644
--- a/minibank-fraud-web/src/HistoryScreen.tsx
+++ b/minibank-fraud-web/src/HistoryScreen.tsx
@@ -1,4 +1,4 @@
-import { useEffect, useRef, useState, type ReactNode } from 'react';
+import { useCallback, useEffect, useRef, useState, type ReactNode } from 'react';
 import { fetchMyTransfers, formatMoney, type HistoryItem, type Page } from './api';
 import ErrorBox from './ErrorBox';
 import TableFrame from './TableFrame';
@@ -224,20 +224,20 @@ export default function HistoryScreen() {
        the loader below is called from the effect and from the retry beside its own error box. */
     const alive = useRef(true);
 
-    useEffect(() => {
-        alive.current = true;
-        void loadFirst();
-        return () => {
-            alive.current = false;
-        };
-    }, []);
-
     /**
      * The first page, and the way back from a first page that failed. The retry is the same call
      * rather than a reload of the browser tab: the screen is reached from the rail, and pressing
      * the entry somebody is already standing on mounts nothing.
+     *
+     * useCallback with an empty list, and the list is empty because it is true rather than to
+     * silence anything: everything this closes over is stable across renders - the state setters,
+     * the ref, the page size and the fetch - so the function never has to be rebuilt. That is what
+     * lets the effect below name it and still run once, which is the whole point. Declared above
+     * the effect and not below it: a name in a dependency array is read while the component
+     * renders, and a const read before its own line is a ReferenceError rather than a hoisted
+     * function.
      */
-    async function loadFirst() {
+    const loadFirst = useCallback(async () => {
         try {
             setLoading(true);
             setError(null);
@@ -251,7 +251,15 @@ export default function HistoryScreen() {
         } finally {
             if (alive.current) setLoading(false);
         }
-    }
+    }, []);
+
+    useEffect(() => {
+        alive.current = true;
+        void loadFirst();
+        return () => {
+            alive.current = false;
+        };
+    }, [loadFirst]);
 
     /**
      * The next page, appended under the rows already on screen.
diff --git a/minibank-fraud-web/src/NewPaymentScreen.tsx b/minibank-fraud-web/src/NewPaymentScreen.tsx
index 9ced491..e531809 100644
--- a/minibank-fraud-web/src/NewPaymentScreen.tsx
+++ b/minibank-fraud-web/src/NewPaymentScreen.tsx
@@ -1,4 +1,4 @@
-import { useEffect, useRef, useState } from 'react';
+import { useCallback, useEffect, useRef, useState } from 'react';
 import {
     createPayment,
     fetchMyBeneficiaries,
@@ -176,14 +176,6 @@ export default function NewPaymentScreen({ parked }: { parked: boolean }) {
      */
     const quoteToken = useRef(0);
 
-    useEffect(() => {
-        alive.current = true;
-        void loadAccounts();
-        void loadBeneficiaries();
-        return () => {
-            alive.current = false;
-        };
-    }, []);
 
     /**
      * The accounts, without which there is no form at all.
@@ -191,7 +183,13 @@ export default function NewPaymentScreen({ parked }: { parked: boolean }) {
      * Its failure is the one on this screen that leaves nothing to do, and it is a read that costs
      * nothing to ask twice, which is exactly the case a retry is for.
      */
-    async function loadAccounts() {
+    /*
+     * useCallback with an empty list, and the list is empty because it is true rather than to
+     * silence anything: everything this closes over is stable across renders - the state setters,
+     * the ref and the fetch - so the function never has to be rebuilt, and the effect below can
+     * name it and still run once.
+     */
+    const loadAccounts = useCallback(async () => {
         try {
             setLoadingAccounts(true);
             setAccountsError(null);
@@ -210,7 +208,7 @@ export default function NewPaymentScreen({ parked }: { parked: boolean }) {
         } finally {
             if (alive.current) setLoadingAccounts(false);
         }
-    }
+    }, []);
 
     /**
      * The address book, fetched beside the accounts and gating nothing.
@@ -218,7 +216,7 @@ export default function NewPaymentScreen({ parked }: { parked: boolean }) {
      * A slow list of payees must not delay a payment, so this has no loading line of its own: the
      * row simply is not there until the names arrive.
      */
-    async function loadBeneficiaries() {
+    const loadBeneficiaries = useCallback(async () => {
         try {
             const saved = await fetchMyBeneficiaries();
             if (!alive.current) return;
@@ -229,7 +227,18 @@ export default function NewPaymentScreen({ parked }: { parked: boolean }) {
             setBeneficiaries([]);
             setBeneficiariesFailed(true);
         }
-    }
+    }, []);
+
+    /* Declared after both loaders and not before them: a name in a dependency array is read while
+       the component renders, and a const read before its own line is a ReferenceError. */
+    useEffect(() => {
+        alive.current = true;
+        void loadAccounts();
+        void loadBeneficiaries();
+        return () => {
+            alive.current = false;
+        };
+    }, [loadAccounts, loadBeneficiaries]);
 
     /**
      * A name was chosen, or the choice was given up.
diff --git a/minibank-fraud-web/src/WaitingAuthorizationsScreen.tsx b/minibank-fraud-web/src/WaitingAuthorizationsScreen.tsx
index a1926ba..7d0ee35 100644
--- a/minibank-fraud-web/src/WaitingAuthorizationsScreen.tsx
+++ b/minibank-fraud-web/src/WaitingAuthorizationsScreen.tsx
@@ -283,6 +283,23 @@ export default function WaitingAuthorizationsScreen() {
 
     useEffect(() => {
         void loadList();
+    /*
+     * THE ONE EFFECT IN THIS WINDOW THAT IS SILENCED RATHER THAN ANSWERED, and the difference from
+     * the other three is in what the loader reads.
+     *
+     * The history screen, the payment form and the desk all wrap their loader in useCallback and
+     * name it here, honestly: two of them close over nothing that changes between renders, and the
+     * desk's closes over exactly the pair its effect already watched. loadList is not like them. It
+     * reads items.length, to ask for a page as large as the list already on screen, and selectedId,
+     * to drop a selection that has left it. An honest useCallback would therefore be rebuilt on
+     * every change to either, and an effect naming it would re-read the whole list every time a
+     * customer picked a payment.
+     *
+     * Keeping it mount-only through a callback means reading those two through refs instead, which
+     * is a second copy of two pieces of state kept in step by hand for the sake of a lint rule. The
+     * array is empty because the effect is a mount, and that is said here rather than worked around.
+     */
+    // eslint-disable-next-line react-hooks/exhaustive-deps
     }, []);
 
     /* The deadline of the payment on screen, which is what the tick below is started for. */