FL's three relationships: transaction broker (DEFAULT — no loyalty; 7 limited duties), single agent (full fiduciary; OLD CAR; written notice required before/at first substantive contact), no brokerage (honesty/accounting/material facts only — NO confidentiality); fiduciary duties (OLD CAR); transitioning: single agent → transaction broker requires written consent; designated sales associate concept; material fact disclosure duty exists in all three relationships; Johnson v. Davis.
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