diff --git a/app/api/reimbursable/route.ts b/app/api/reimbursable/route.ts
index 9ff3a6f..af0b1d6 100644
--- a/app/api/reimbursable/route.ts
+++ b/app/api/reimbursable/route.ts
@@ -50,12 +50,14 @@ export async function PATCH(req: Request) {
     console.error('[reimbursable] transaction read failed', { id: transactionId, code: readError.code, message: readError.message })
     return fail(500, TRY_AGAIN)
   }
-  if (!txn) return fail(404, 'That transaction no longer exists. Refresh and try again.')
+  if (!txn) return fail(404, 'That transaction no longer exists. Showing the latest.')
 
   // `removed` is a soft flag (a Plaid repost), not a delete, so nothing stops a mark being written
   // to a row that no longer renders anywhere. That mark would then be unreachable while still
-  // counting toward what you are owed.
-  if (txn.removed) return fail(400, 'Your bank removed that transaction. Refresh and try again.')
+  // counting toward what you are owed. A 409, like the other stale-row refusals here, so the
+  // editors reload and the removed row goes. These used to say "Refresh and try again", which the
+  // installed app has no way to do (#139).
+  if (txn.removed) return fail(409, 'Your bank removed that transaction. Showing the latest.')
 
   // Guards #31. A credit-card payment is already excluded from both spending and income — the
   // purchases were counted when they happened — so marking it reduces nothing while still inflating
@@ -94,7 +96,7 @@ export async function PATCH(req: Request) {
   if (!count) {
     // A stale-card refusal: the editors reload on a 409 to show the latest.
     console.error('[reimbursable] update matched no rows (row changed, or the update policy is missing)', { id: transactionId })
-    return fail(409, 'This transaction just changed. Refresh and try again.')
+    return fail(409, 'This transaction just changed. Showing the latest.')
   }
 
   return NextResponse.json({ ok: true })
diff --git a/app/api/transactions/categorize/route.ts b/app/api/transactions/categorize/route.ts
index 9d2b338..a0a8ba0 100644
--- a/app/api/transactions/categorize/route.ts
+++ b/app/api/transactions/categorize/route.ts
@@ -27,6 +27,10 @@ import { unknownIfLost } from '@/lib/lost-reply'
 //
 // It is not the only writer of user_category: app/api/categories/route.ts also writes it in bulk on
 // rename and delete (a delete clears picks), outside these guards (#100).
+//
+// 404 and 409 mean the picker's row is stale: the transaction is gone, the bank removed it, the
+// category was deleted, or the row changed. CategoryPicker reloads on either, so these say the latest
+// is showing. They used to say "Refresh and try again", which the installed app has no way to do (#139).
 const SAVE_FAILED = 'That could not be saved. Please try again.'
 
 export async function POST(req: Request) {
@@ -68,13 +72,10 @@ export async function POST(req: Request) {
     return NextResponse.json({ error: SAVE_FAILED }, { status: 500 })
   }
   if (!row) {
-    return NextResponse.json({ error: 'That transaction no longer exists. Refresh and try again.' }, { status: 404 })
+    return NextResponse.json({ error: 'That transaction no longer exists. Showing the latest.' }, { status: 404 })
   }
   if (row.removed) {
-    return NextResponse.json(
-      { error: 'Your bank removed that transaction. Refresh and try again.' },
-      { status: 400 }
-    )
+    return NextResponse.json({ error: 'Your bank removed that transaction. Showing the latest.' }, { status: 409 })
   }
 
   // 4. Card payments, picked or not.
@@ -98,10 +99,7 @@ export async function POST(req: Request) {
   }
   const picked = (cats ?? []).find((c) => c.name === category)
   if (!picked) {
-    return NextResponse.json(
-      { error: 'That category no longer exists. Refresh and try again.' },
-      { status: 400 }
-    )
+    return NextResponse.json({ error: 'That category no longer exists. Showing the latest.' }, { status: 409 })
   }
 
   // 6. Write, with the guards INSIDE the update, so Plaid re-tagging or removing the row between the
@@ -125,7 +123,7 @@ export async function POST(req: Request) {
     // Usually the row changed underneath us. A missing update policy would also land here, which is
     // why the log says both.
     console.error('[categorize] update matched no rows (row changed, or the update policy is missing)', transactionId)
-    return NextResponse.json({ error: 'This transaction just changed. Refresh and try again.' }, { status: 409 })
+    return NextResponse.json({ error: 'This transaction just changed. Showing the latest.' }, { status: 409 })
   }
 
   // 7. A record of every change, so a mistaken pick can be put back from the logs.
diff --git a/components/CategoryPicker.tsx b/components/CategoryPicker.tsx
index dbf7590..0654bb6 100644
--- a/components/CategoryPicker.tsx
+++ b/components/CategoryPicker.tsx
@@ -59,8 +59,8 @@ export function CategoryPicker({
     setPending(category)
     working(true)
     setError(null)
-    // What to do once the request has settled: reload after a save, or after one whose outcome is
-    // unknown. Never while it is in flight, and never after a refusal.
+    // What to do once the request has settled: reload after a save, after one whose outcome is
+    // unknown, or after a refusal that says this row is stale. Never while it is in flight.
     let reload = false
     try {
       // The shared rule (lib/save-response.ts): a redirect to /login or an OK reply that is not JSON
@@ -78,6 +78,14 @@ export function CategoryPicker({
         setPending(null)
         if (result.outcome === 'refused') {
           setError(result.error)
+          // 404 and 409: the route says this row is stale. The transaction is gone or the bank
+          // removed it, the category was deleted, or the bank changed the row during the save. So
+          // show the latest, as the message says. The installed app has no other way to reload
+          // (#139). For a deleted category the row stays and so does the message, and the options
+          // lose the category. A row that's gone takes its message with it, and a pending
+          // transaction that posted shows as the posted one, to pick again (#252). Any other refusal
+          // wrote nothing, and the server still holds what the picker shows.
+          reload = result.status === 404 || result.status === 409
         } else {
           // Failed in flight, timed out, or a reply that could not be read. None of them means the
           // request never reached the server.
diff --git a/tests/unit/categorize-route.test.ts b/tests/unit/categorize-route.test.ts
index 03e32ef..f018f14 100644
--- a/tests/unit/categorize-route.test.ts
+++ b/tests/unit/categorize-route.test.ts
@@ -226,9 +226,13 @@ describe('POST /api/transactions/categorize', () => {
     expect(calls.updates).toHaveLength(0)
   })
 
-  it('answers 404 when the transaction does not exist', async () => {
+  // A stale row answers 404 or 409, which CategoryPicker reloads on, so the words say the latest is
+  // showing. "Refresh and try again" asked for something the installed app has no way to do (#139).
+  it('answers 404 when the transaction does not exist, saying the latest is showing', async () => {
     makeSupabase({ row: null })
-    expect((await post({ transactionId: 'txn-1', category: 'Grocery' })).status).toBe(404)
+    const res = await post({ transactionId: 'txn-1', category: 'Grocery' })
+    expect(res.status).toBe(404)
+    expect((await res.json()).error).toBe('That transaction no longer exists. Showing the latest.')
   })
 
   it('reads every column the later steps need', async () => {
@@ -239,11 +243,12 @@ describe('POST /api/transactions/categorize', () => {
     }
   })
 
-  it('answers 400 for a row the bank removed, and writes nothing', async () => {
+  // 409, not 400, so the picker reloads and the removed row goes from the list (#139).
+  it('answers 409 for a row the bank removed, and writes nothing', async () => {
     const calls = makeSupabase({ row: { ...ROW, removed: true } })
     const res = await post({ transactionId: 'txn-1', category: 'Grocery' })
-    expect(res.status).toBe(400)
-    expect((await res.json()).error).toBe('Your bank removed that transaction. Refresh and try again.')
+    expect(res.status).toBe(409)
+    expect((await res.json()).error).toBe('Your bank removed that transaction. Showing the latest.')
     expect(calls.updates).toHaveLength(0)
   })
 
@@ -282,12 +287,13 @@ describe('POST /api/transactions/categorize', () => {
   })
 
   // A name that is not one of the household's categories, including the display fallback
-  // 'Uncategorized' (spec decision 7: clearing is not supported).
-  it.each(['Uncategorized', 'Not A Category'])('answers 400 for %s, and writes nothing', async (category) => {
+  // 'Uncategorized' (spec decision 7: clearing is not supported). From the picker, that's a category
+  // deleted since the list loaded, so 409, not 400: the picker reloads its options (#139).
+  it.each(['Uncategorized', 'Not A Category'])('answers 409 for %s, and writes nothing', async (category) => {
     const calls = makeSupabase({ row: ROW })
     const res = await post({ transactionId: 'txn-1', category })
-    expect(res.status).toBe(400)
-    expect((await res.json()).error).toBe('That category no longer exists. Refresh and try again.')
+    expect(res.status).toBe(409)
+    expect((await res.json()).error).toBe('That category no longer exists. Showing the latest.')
     expect(calls.updates).toHaveLength(0)
   })
 
@@ -336,7 +342,7 @@ describe('POST /api/transactions/categorize', () => {
     makeSupabase({ row: ROW, update: { error: null, count: 0 } })
     const res = await post({ transactionId: 'txn-1', category: 'Grocery' })
     expect(res.status).toBe(409)
-    expect((await res.json()).error).toBe('This transaction just changed. Refresh and try again.')
+    expect((await res.json()).error).toBe('This transaction just changed. Showing the latest.')
   })
 
   // A count the server did not send is not a count of one. Treating it as a write would report a
@@ -348,10 +354,10 @@ describe('POST /api/transactions/categorize', () => {
   })
 
   // Category names match exactly, as stored. A near-miss is not that category.
-  it('answers 400 for a category in the wrong case, and writes nothing', async () => {
+  it('answers 409 for a category in the wrong case, and writes nothing', async () => {
     const calls = makeSupabase({ row: ROW })
     const res = await post({ transactionId: 'txn-1', category: 'grocery' })
-    expect(res.status).toBe(400)
+    expect(res.status).toBe(409)
     expect(calls.updates).toHaveLength(0)
   })
 
diff --git a/tests/unit/category-picker.test.tsx b/tests/unit/category-picker.test.tsx
index 4d246c4..ab8156d 100644
--- a/tests/unit/category-picker.test.tsx
+++ b/tests/unit/category-picker.test.tsx
@@ -14,7 +14,8 @@ afterEach(() => {
 // A real spy, not a bare closure. With `refresh: () => {}` no test can tell whether the list is ever
 // told to reload, so deleting the call, or making it run after a refused save, leaves the suite
 // green. A refused save writes nothing: the server holds the old value, which the picker already
-// shows while the error explains why, so a reload there is a wasted round trip.
+// shows while the error explains why, so a reload there is a wasted round trip. The exception is a
+// refusal that says the row is stale, where showing the latest is the point (#139).
 const refresh = vi.hoisted(() => vi.fn())
 vi.mock('next/navigation', () => ({ useRouter: () => ({ refresh }) }))
 
@@ -30,8 +31,9 @@ const select = () => screen.getByRole('combobox') as HTMLSelectElement
 
 // The route always answers in JSON, so every stand-in for its reply carries that content type.
 const JSON_TYPE = { 'content-type': 'application/json' }
-const reply = (ok: boolean, body: unknown) => ({
+const reply = (ok: boolean, body: unknown, status = ok ? 200 : 400) => ({
   ok,
+  status,
   redirected: false,
   headers: new Headers(JSON_TYPE),
   json: async () => body,
@@ -41,7 +43,7 @@ describe('CategoryPicker', () => {
   // #28 spec §8.2: keyed on source and value, so a row whose REASON for a name changes (a rule equal
   // to the bank's category is removed: rule → bank, same name) still drops a stale alert.
   it('clears its alert when the source changes and the name does not', async () => {
-    vi.stubGlobal('fetch', vi.fn().mockResolvedValue(reply(false, { error: 'This transaction just changed. Refresh and try again.' })))
+    vi.stubGlobal('fetch', vi.fn().mockResolvedValue(reply(false, { error: 'A credit-card payment is already kept out of spending and income.' })))
     const { rerender } = render(<CategoryPicker {...props} source="rule" />)
     fireEvent.change(select(), { target: { value: 'Shopping' } })
     expect(await screen.findByRole('alert')).toBeTruthy()
@@ -95,7 +97,8 @@ describe('CategoryPicker', () => {
   })
 
   // A refused save wrote nothing, so the server still holds the old value. The picker already shows
-  // it while the error explains why; a refresh would only re-render the same value.
+  // it while the error explains why; a refresh would only re-render the same value. A refusal that
+  // says the row is stale (404 or 409) is the exception, below.
   it('does not reload the page when the save is refused', async () => {
     vi.stubGlobal(
       'fetch',
@@ -429,3 +432,47 @@ describe('CategoryPicker', () => {
     expect(refresh).toHaveBeenCalledTimes(1)
   })
 })
+
+
+// #139: the route's 404 and 409 mean this row is stale: the transaction is gone or the bank removed
+// it, the category was deleted, or the bank changed the row during the save. The route used to say
+// "Refresh and try again", and in the installed app there's nothing to refresh with. So the picker
+// reloads itself, and the words now say the latest is showing.
+describe('CategoryPicker: a refusal that says this row is stale (#139)', () => {
+  const STALE = [
+    [404, 'That transaction no longer exists. Showing the latest.'],
+    [409, 'That category no longer exists. Showing the latest.'],
+  ] as const
+
+  it.each(STALE)('reloads after a %s, and shows its words', async (status, words) => {
+    vi.stubGlobal('fetch', vi.fn(async () => reply(false, { error: words }, status)))
+    render(<CategoryPicker {...props} />)
+    fireEvent.change(select(), { target: { value: 'Shopping' } })
+    await waitFor(() => expect(screen.getByRole('alert').textContent).toBe(words))
+    expect(select().value).toBe('Food & Drink')
+    expect(refresh).toHaveBeenCalledTimes(1)
+  })
+
+  // A deleted category: the reload leaves the row as it was, so the message stays while the options
+  // lose the category. Like any refusal's, it goes when the server's value next changes.
+  it('keeps its message while the reload leaves the row as it was', async () => {
+    vi.stubGlobal('fetch', vi.fn(async () => reply(false, { error: STALE[1][1] }, 409)))
+    const { rerender } = render(<CategoryPicker {...props} />)
+    fireEvent.change(select(), { target: { value: 'Shopping' } })
+    await waitFor(() => expect(screen.getByRole('alert')).toBeTruthy())
+    rerender(<CategoryPicker {...props} options={['Food & Drink', 'Travel']} />)
+    expect(screen.getByRole('alert').textContent).toBe(STALE[1][1])
+    expect([...select().options].map((o) => o.value)).toEqual(['Food & Drink', 'Travel'])
+    rerender(<CategoryPicker {...props} options={['Food & Drink', 'Travel']} value="Travel" source="pick" />)
+    expect(screen.queryByRole('alert')).toBeNull()
+  })
+
+  // Any other refusal wrote nothing and left the row as it was, so there's nothing to reload.
+  it.each([400, 500, 503])('does not reload after a %s', async (status) => {
+    vi.stubGlobal('fetch', vi.fn(async () => reply(false, { error: 'nope' }, status)))
+    render(<CategoryPicker {...props} />)
+    fireEvent.change(select(), { target: { value: 'Shopping' } })
+    await waitFor(() => expect(screen.getByRole('alert')).toBeTruthy())
+    expect(refresh).not.toHaveBeenCalled()
+  })
+})
diff --git a/tests/unit/reimbursable-checkbox.test.tsx b/tests/unit/reimbursable-checkbox.test.tsx
index 8e5f29d..2267443 100644
--- a/tests/unit/reimbursable-checkbox.test.tsx
+++ b/tests/unit/reimbursable-checkbox.test.tsx
@@ -135,9 +135,9 @@ describe('ReimbursableCheckbox', () => {
   // nothing and needs no reload, unless it says this row is stale (404, 409). An unknown outcome may
   // have written, so it reloads to show what the server has.
   it.each([
-    ['a refusal', () => refused(400, 'Your bank removed that transaction. Refresh and try again.'), 'Your bank removed that transaction. Refresh and try again.', 0],
-    ['a 404', () => refused(404, 'That transaction no longer exists. Refresh and try again.'), 'That transaction no longer exists. Refresh and try again.', 1],
-    ['a 409', () => refused(409, 'This transaction just changed. Refresh and try again.'), 'This transaction just changed. Refresh and try again.', 1],
+    ['a refusal', () => refused(400, 'A credit-card payment is already kept out of spending and income.'), 'A credit-card payment is already kept out of spending and income.', 0],
+    ['a 404', () => refused(404, 'That transaction no longer exists. Showing the latest.'), 'That transaction no longer exists. Showing the latest.', 1],
+    ['a 409', () => refused(409, 'This transaction just changed. Showing the latest.'), 'This transaction just changed. Showing the latest.', 1],
     ['a redirect to the login page', redirectedToLogin, 'Your session ended. Sign in again.', 0],
     // The #103 bug: any OK reply used to count as saved.
     ['a 200 without ok: true', () => new Response('{}', { headers: { 'content-type': 'application/json' } }), 'That could not be saved.', 0],
diff --git a/tests/unit/reimbursable-editor.test.tsx b/tests/unit/reimbursable-editor.test.tsx
index ade8132..278b460 100644
--- a/tests/unit/reimbursable-editor.test.tsx
+++ b/tests/unit/reimbursable-editor.test.tsx
@@ -208,9 +208,9 @@ describe('ReimbursableEditor', () => {
   // what was typed, so a retry is one tap, and says why. A refusal wrote nothing and needs no reload
   // unless it says this row is stale (404, 409); an unknown outcome may have written, so it reloads.
   it.each([
-    ['a refusal', () => refused(400, 'Your bank removed that transaction. Refresh and try again.'), 'Your bank removed that transaction. Refresh and try again.', 0],
-    ['a 404', () => refused(404, 'That transaction no longer exists. Refresh and try again.'), 'That transaction no longer exists. Refresh and try again.', 1],
-    ['a 409', () => refused(409, 'This transaction just changed. Refresh and try again.'), 'This transaction just changed. Refresh and try again.', 1],
+    ['a refusal', () => refused(400, 'A credit-card payment is already kept out of spending and income.'), 'A credit-card payment is already kept out of spending and income.', 0],
+    ['a 404', () => refused(404, 'That transaction no longer exists. Showing the latest.'), 'That transaction no longer exists. Showing the latest.', 1],
+    ['a 409', () => refused(409, 'This transaction just changed. Showing the latest.'), 'This transaction just changed. Showing the latest.', 1],
     ['a redirect to the login page', redirectedToLogin, 'Your session ended. Sign in again.', 0],
     // The #103 bug: any OK reply used to close the dialog as if saved.
     ['a 200 without ok: true', () => new Response('{}', { headers: { 'content-type': 'application/json' } }), 'That could not be saved.', 0],
@@ -276,8 +276,8 @@ describe('ReimbursableEditor', () => {
     const escape = () => fireEvent(screen.getByRole('dialog'), new Event('cancel', { bubbles: false, cancelable: true }))
     escape()
     expect(screen.getByRole('dialog')).toBeTruthy()
-    settle(refused(400, 'Your bank removed that transaction. Refresh and try again.'))
-    expect((await screen.findByRole('alert')).textContent).toBe('Your bank removed that transaction. Refresh and try again.')
+    settle(refused(400, 'A credit-card payment is already kept out of spending and income.'))
+    expect((await screen.findByRole('alert')).textContent).toBe('A credit-card payment is already kept out of spending and income.')
     expect(screen.getByRole('dialog')).toBeTruthy()
     // Settled, so Escape is the way out again.
     escape()
diff --git a/tests/unit/reimbursable-route.test.ts b/tests/unit/reimbursable-route.test.ts
index 39c7f19..6bc1a8d 100644
--- a/tests/unit/reimbursable-route.test.ts
+++ b/tests/unit/reimbursable-route.test.ts
@@ -179,17 +179,17 @@ describe('PATCH /api/reimbursable', () => {
     const calls = makeSupabase({ row: null })
     const res = await mark()
     expect(res.status).toBe(404)
-    expect(await errorOf(res)).toBe('That transaction no longer exists. Refresh and try again.')
+    expect(await errorOf(res)).toBe('That transaction no longer exists. Showing the latest.')
     expect(calls.updates).toHaveLength(0)
   })
 
   // `removed` is a soft flag (a Plaid repost), not a delete. A mark written to a removed row would be
-  // unreachable while still counting toward what you're owed.
-  it('answers 400 for a transaction the bank removed, and writes nothing', async () => {
+  // unreachable while still counting toward what you're owed. 409, so the editors reload (#139).
+  it('answers 409 for a transaction the bank removed, and writes nothing', async () => {
     const calls = makeSupabase({ row: { ...TXN, removed: true } })
     const res = await mark()
-    expect(res.status).toBe(400)
-    expect(await errorOf(res)).toBe('Your bank removed that transaction. Refresh and try again.')
+    expect(res.status).toBe(409)
+    expect(await errorOf(res)).toBe('Your bank removed that transaction. Showing the latest.')
     expect(calls.updates).toHaveLength(0)
   })
 
@@ -262,7 +262,7 @@ describe('PATCH /api/reimbursable', () => {
     makeSupabase({ row, rowAtWrite })
     const res = await mark()
     expect(res.status).toBe(409)
-    expect(await errorOf(res)).toBe('This transaction just changed. Refresh and try again.')
+    expect(await errorOf(res)).toBe('This transaction just changed. Showing the latest.')
     expect(logs).toContainEqual([
       '[reimbursable] update matched no rows (row changed, or the update policy is missing)',
       { id: 'txn-1' },
@@ -309,7 +309,7 @@ describe('PATCH /api/reimbursable', () => {
     makeSupabase({ update: { error: null, count: 0 } })
     const res = await mark()
     expect(res.status).toBe(409)
-    expect(await errorOf(res)).toBe('This transaction just changed. Refresh and try again.')
+    expect(await errorOf(res)).toBe('This transaction just changed. Showing the latest.')
     expect(logs).toContainEqual([
       '[reimbursable] update matched no rows (row changed, or the update policy is missing)',
       { id: 'txn-1' },
diff --git a/tests/unit/transaction-card.test.tsx b/tests/unit/transaction-card.test.tsx
index ee41f8b..df87516 100644
--- a/tests/unit/transaction-card.test.tsx
+++ b/tests/unit/transaction-card.test.tsx
@@ -738,12 +738,14 @@ describe('TransactionCard learned marker (#28)', () => {
 
   // CategoryPicker keys its stale-alert reset on source as well as name, so the sheet must hand it
   // the source: a rule equal to the bank's category being removed changes the reason, not the name.
+  // A refusal that isn't about a stale row, since a stale one's words stay through the reload (#139).
   it("passes the category's source to the picker, so a change of reason clears its alert", async () => {
     vi.stubGlobal('fetch', vi.fn().mockResolvedValue({
       ok: false,
+      status: 400,
       redirected: false,
       headers: new Headers({ 'content-type': 'application/json' }),
-      json: async () => ({ error: 'This transaction just changed. Refresh and try again.' }),
+      json: async () => ({ error: 'A credit-card payment is already kept out of spending and income.' }),
     }))
     const agreeing = { name: 'Food', source: 'rule' as const, ruleId: 'r1', bankName: 'Food' }
     const { rerender } = render(<TransactionCard t={txn} category={agreeing} categoryOptions={['Food', 'Grocery']} />)
diff --git a/tests/unit/transaction-row.test.tsx b/tests/unit/transaction-row.test.tsx
index c113309..c93a0ce 100644
--- a/tests/unit/transaction-row.test.tsx
+++ b/tests/unit/transaction-row.test.tsx
@@ -229,7 +229,7 @@ describe('TransactionRow learned marker (#28)', () => {
 
   // A save error renders inside the picker container, so it cannot push the marker off the line.
   it('keeps the marker beside the select while an error shows', async () => {
-    vi.stubGlobal('fetch', vi.fn().mockResolvedValue({ ok: false, redirected: false, headers: new Headers({ 'content-type': 'application/json' }), json: async () => ({ error: 'This transaction just changed. Refresh and try again.' }) }))
+    vi.stubGlobal('fetch', vi.fn().mockResolvedValue({ ok: false, status: 400, redirected: false, headers: new Headers({ 'content-type': 'application/json' }), json: async () => ({ error: 'A credit-card payment is already kept out of spending and income.' }) }))
     const { container } = renderRow({}, LEARNED)
     fireEvent.change(screen.getByRole('combobox'), { target: { value: 'Food' } })
     const alert = await screen.findByRole('alert')
@@ -269,14 +269,16 @@ describe('TransactionRow suggested marker (#28 §14.6)', () => {
 })
 
 // CategoryPicker keys its stale-alert reset on source as well as name, so the row must hand it the
-// source: a rule equal to the bank's category being removed changes the reason, not the name.
+// source: a rule equal to the bank's category being removed changes the reason, not the name. A
+// refusal that isn't about a stale row, since a stale one's words stay through the reload (#139).
 describe('TransactionRow category source', () => {
   it("passes the category's source to the picker, so a change of reason clears its alert", async () => {
     vi.stubGlobal('fetch', vi.fn().mockResolvedValue({
       ok: false,
+      status: 400,
       redirected: false,
       headers: new Headers({ 'content-type': 'application/json' }),
-      json: async () => ({ error: 'This transaction just changed. Refresh and try again.' }),
+      json: async () => ({ error: 'A credit-card payment is already kept out of spending and income.' }),
     }))
     const agreeing: ResolvedCategory = { name: 'Food', source: 'rule', ruleId: 'r1', bankName: 'Food' }
     const row = (category: ResolvedCategory) => (