Verified that use-templates hook already implements all required features:
- loading and loadingMore states
- error handling with proper state management
- pagination with loadMore function
- hasMore flag for infinite scroll
- refetch function for pull-to-refresh
- 17 comprehensive tests covering all scenarios
All tests pass successfully. Hook follows gold standard pattern per hooks/REVIEW.md.
Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>
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