diff --git a/web/src/App.test.tsx b/web/src/App.test.tsx
index 6e5af60..db10867 100644
--- a/web/src/App.test.tsx
+++ b/web/src/App.test.tsx
@@ -100,6 +100,19 @@ describe("read-only operations console", () => {
     expect(screen.getByText("500.00 mUSDC")).toBeTruthy();
   });
 
+  it("makes every learning abbreviation keyboard-focusable with its explanation intact", () => {
+    const { container } = render(<App dashboard={ready()} />);
+    const abbreviations = Array.from(container.querySelectorAll("abbr"));
+    expect(abbreviations).toHaveLength(5);
+
+    for (const abbreviation of abbreviations) {
+      expect(abbreviation.getAttribute("title")?.trim().length).toBeGreaterThan(0);
+      expect(abbreviation.getAttribute("tabindex")).toBe("0");
+      (abbreviation as HTMLElement).focus();
+      expect(document.activeElement).toBe(abbreviation);
+    }
+  });
+
   it("renders valid V1 activity newest first beside an isolated decode warning", () => {
     render(<App dashboard={ready()} />);
 
diff --git a/web/src/components/AccountingGrid.tsx b/web/src/components/AccountingGrid.tsx
index 84b83ac..888fbb1 100644
--- a/web/src/components/AccountingGrid.tsx
+++ b/web/src/components/AccountingGrid.tsx
@@ -9,8 +9,8 @@ export function AccountingGrid({ snapshot }: { snapshot: DashboardSnapshot }) {
         <p className="helper">Solvent when reserves are greater than or equal to liabilities.</p>
       </div>
       <dl className="accounting-grid">
-        <div className="hero-figure"><dt><abbr title="MockUSDC held by the stable proxy address">Reserves</abbr></dt><dd>{formatAmount(snapshot.reserves)}</dd></div>
-        <div className="hero-figure"><dt><abbr title="The sum of all balances recorded in the bank ledger">Liabilities</abbr></dt><dd>{formatAmount(snapshot.liabilities)}</dd></div>
+        <div className="hero-figure"><dt><abbr title="MockUSDC held by the stable proxy address" tabIndex={0}>Reserves</abbr></dt><dd>{formatAmount(snapshot.reserves)}</dd></div>
+        <div className="hero-figure"><dt><abbr title="The sum of all balances recorded in the bank ledger" tabIndex={0}>Liabilities</abbr></dt><dd>{formatAmount(snapshot.liabilities)}</dd></div>
         <div><dt>Surplus</dt><dd>{formatSurplus(snapshot.surplus)}</dd></div>
         <div><dt>Reserve ratio</dt><dd>{formatReserveRatio(snapshot.reserves, snapshot.liabilities)}</dd></div>
       </dl>
diff --git a/web/src/components/ContractIdentity.tsx b/web/src/components/ContractIdentity.tsx
index f5c8543..356be89 100644
--- a/web/src/components/ContractIdentity.tsx
+++ b/web/src/components/ContractIdentity.tsx
@@ -30,10 +30,10 @@ export function ContractIdentity({ manifest, snapshot }: { manifest: DeploymentM
         <p className="helper">Reads target the proxy. The implementation address identifies its current logic.</p>
       </div>
       <dl className="identity-list">
-        <div className="proxy-row"><dt><abbr title="The stable application address that holds storage and reserves">Proxy</abbr></dt><AddressValue label="Proxy" address={snapshot.proxy} manifest={manifest} primary /></div>
-        <div><dt><abbr title="The replaceable contract containing the current executable logic">Implementation</abbr></dt><AddressValue label="Implementation" address={snapshot.implementation} manifest={manifest} /></div>
+        <div className="proxy-row"><dt><abbr title="The stable application address that holds storage and reserves" tabIndex={0}>Proxy</abbr></dt><AddressValue label="Proxy" address={snapshot.proxy} manifest={manifest} primary /></div>
+        <div><dt><abbr title="The replaceable contract containing the current executable logic" tabIndex={0}>Implementation</abbr></dt><AddressValue label="Implementation" address={snapshot.implementation} manifest={manifest} /></div>
         <div><dt>Token</dt><AddressValue label="Token" address={snapshot.asset} manifest={manifest} /></div>
-        <div><dt><abbr title="The account authorized to pause and upgrade the proxy">Owner</abbr></dt><AddressValue label="Owner" address={snapshot.owner} manifest={manifest} /></div>
+        <div><dt><abbr title="The account authorized to pause and upgrade the proxy" tabIndex={0}>Owner</abbr></dt><AddressValue label="Owner" address={snapshot.owner} manifest={manifest} /></div>
         <div><dt>Deployment block</dt><dd>{manifest.deploymentBlock.toString()}</dd></div>
       </dl>
     </section>
diff --git a/web/src/hooks/useBankDashboard.test.tsx b/web/src/hooks/useBankDashboard.test.tsx
index 624c1c0..f72a586 100644
--- a/web/src/hooks/useBankDashboard.test.tsx
+++ b/web/src/hooks/useBankDashboard.test.tsx
@@ -1,8 +1,8 @@
-import { QueryClient, QueryClientProvider } from "@tanstack/react-query";
+import { focusManager, onlineManager, QueryClient, QueryClientProvider } from "@tanstack/react-query";
 import { act, renderHook, waitFor } from "@testing-library/react";
 import type { ReactNode } from "react";
 import type { Address } from "viem";
-import { beforeEach, describe, expect, it, vi } from "vitest";
+import { afterEach, beforeEach, describe, expect, it, vi } from "vitest";
 import type { DashboardSnapshot, DeploymentManifest } from "../types/dashboard";
 import { useBankDashboard } from "./useBankDashboard";
 
@@ -55,8 +55,7 @@ function deferred<T>() {
   return { promise, resolve, reject };
 }
 
-function createWrapper() {
-  const client = new QueryClient({ defaultOptions: { queries: { retry: false, gcTime: 0 } } });
+function createWrapper(client = new QueryClient({ defaultOptions: { queries: { retry: false, gcTime: 0 } } })) {
   return function Wrapper({ children }: { children: ReactNode }) {
     return <QueryClientProvider client={client}>{children}</QueryClientProvider>;
   };
@@ -65,6 +64,13 @@ function createWrapper() {
 describe("useBankDashboard", () => {
   beforeEach(() => {
     notifyBlock = undefined;
+    focusManager.setFocused(true);
+    onlineManager.setOnline(true);
+  });
+
+  afterEach(() => {
+    focusManager.setFocused(undefined);
+    onlineManager.setOnline(true);
   });
 
   it("starts in loading while the manifest and first reconciled snapshot are pending", () => {
@@ -151,6 +157,52 @@ describe("useBankDashboard", () => {
     expect(loader).toHaveBeenCalledTimes(1);
   });
 
+  it("does not retry a terminal manifest-fetch failure on focus, reconnect, or remount", async () => {
+    const loadManifest = vi.fn().mockRejectedValue(new Error("manifest request failed"));
+    const client = new QueryClient({ defaultOptions: { queries: { retry: false, gcTime: Number.POSITIVE_INFINITY } } });
+    const wrapper = createWrapper(client);
+    const options = { loadManifest, loader: vi.fn() };
+    const first = renderHook(() => useBankDashboard(options), { wrapper });
+    await waitFor(() => expect(first.result.current.status).toBe("invalid-manifest"));
+
+    await act(async () => {
+      focusManager.setFocused(false);
+      focusManager.setFocused(true);
+      onlineManager.setOnline(false);
+      onlineManager.setOnline(true);
+      await new Promise((resolve) => setTimeout(resolve, 0));
+    });
+    first.unmount();
+    const second = renderHook(() => useBankDashboard(options), { wrapper });
+    await waitFor(() => expect(second.result.current.status).toBe("invalid-manifest"));
+
+    expect(loadManifest).toHaveBeenCalledTimes(1);
+  });
+
+  it("does not retry a terminal chain mismatch on focus, reconnect, or remount", async () => {
+    const loader = vi.fn().mockRejectedValue(new Error(
+      "endpoint chain ID 84532 does not match manifest chain ID 31337",
+    ));
+    const client = new QueryClient({ defaultOptions: { queries: { retry: false, gcTime: Number.POSITIVE_INFINITY } } });
+    const wrapper = createWrapper(client);
+    const options = { loadManifest: async () => manifestJson, loader };
+    const first = renderHook(() => useBankDashboard(options), { wrapper });
+    await waitFor(() => expect(first.result.current.status).toBe("chain-mismatch"));
+
+    await act(async () => {
+      focusManager.setFocused(false);
+      focusManager.setFocused(true);
+      onlineManager.setOnline(false);
+      onlineManager.setOnline(true);
+      await new Promise((resolve) => setTimeout(resolve, 0));
+    });
+    first.unmount();
+    const second = renderHook(() => useBankDashboard(options), { wrapper });
+    await waitFor(() => expect(second.result.current.status).toBe("chain-mismatch"));
+
+    expect(loader).toHaveBeenCalledTimes(1);
+  });
+
   it("reconciles exactly once when a new watched block arrives", async () => {
     const nextSnapshot = { ...snapshot, blockNumber: 13n, synchronizedAt: new Date("2026-08-21T10:01:00.000Z") };
     const loader = vi.fn().mockResolvedValueOnce(snapshot).mockResolvedValueOnce(nextSnapshot);
diff --git a/web/src/hooks/useBankDashboard.ts b/web/src/hooks/useBankDashboard.ts
index 9f79d2c..11ee88c 100644
--- a/web/src/hooks/useBankDashboard.ts
+++ b/web/src/hooks/useBankDashboard.ts
@@ -54,7 +54,11 @@ export function useBankDashboard(options: BankDashboardOptions = {}): DashboardS
     queryKey: manifestQueryKey,
     queryFn: loadManifest,
     retry: false,
+    retryOnMount: false,
     staleTime: Number.POSITIVE_INFINITY,
+    refetchOnMount: false,
+    refetchOnReconnect: false,
+    refetchOnWindowFocus: false,
   });
 
   const parsedManifest = useMemo(() => {
@@ -79,6 +83,10 @@ export function useBankDashboard(options: BankDashboardOptions = {}): DashboardS
     },
     enabled: manifest !== undefined,
     retry: false,
+    retryOnMount: false,
+    refetchOnMount: false,
+    refetchOnReconnect: false,
+    refetchOnWindowFocus: false,
   });
   const mismatch = snapshotQuery.error !== null && isChainMismatch(snapshotQuery.error);
   const latestSnapshot = useRef<DashboardSnapshot | undefined>(undefined);