Make fewer IQ Bible calls

- Load the narrator list only when the audio dropdown is opened
- Keep today's verse and devotional in memory for an hour (not saved)
- Back off for a minute after 'allowance used up' or unreachable; keep 'nothing here' answers
- Server shares one upstream call between identical simultaneous requests (nothing stored)

Co-Authored-By: Claude Sonnet 5.5 <noreply@anthropic.com>

src/pages/SettingsPage.jsx

@@ -1,5 +1,5 @@
 import { normalizeNtfyServer } from '../utils/ntfyServer.js';
-import IqNarratorOptions from '../components/iq/IqNarratorOptions.jsx';
+import IqNarratorOptions, { useLazyNarrators } from '../components/iq/IqNarratorOptions.jsx';
 import { useEffect, useState } from 'react';
 import { useApp } from '../context/AppContext.js';
 import PageShell from '../components/study/PageShell.jsx';
@@ -65,6 +65,7 @@ export default function SettingsPage() {
   } = useApp();
 
   // "Back up my data" from the ⌘K palette lands on that section
+  const narrators = useLazyNarrators(audioNarrator);
   const [tab, setTab] = useState(settingsFocus === 'backup' ? 'data' : 'account');
   useEffect(() => {
     if (!settingsFocus) return;
@@ -290,11 +291,11 @@ export default function SettingsPage() {
             <Segmented label="Reading width" options={[[false, 'Column'], [true, 'Two columns']]} value={readerWide} onChange={setReaderWide} />
           </PrefRow>
           <PrefRow label="Audio narrator" hint="For the Berean Standard Bible audio. IQ Bible narrations count against its monthly audio allowance.">
-            <select aria-label="Audio narrator" value={audioNarrator} onChange={(e) => setAudioNarrator(e.target.value)} className={selectCls}>
+            <select aria-label="Audio narrator" value={audioNarrator} onChange={(e) => setAudioNarrator(e.target.value)} className={selectCls} {...narrators.selectProps}>
               <option value="david">David</option>
               <option value="hays">Hays</option>
               <option value="souer">Souer</option>
-              <IqNarratorOptions />
+              <IqNarratorOptions enabled={narrators.enabled} />
             </select>
           </PrefRow>
         </section>