• State the core LLQP Ethics competency in one sentence.
• Describe the suitability obligation and the role of the needs assessment.
• Explain the duty of care standard and name three specific breaches.
• Distinguish misrepresentation to a client from misrepresentation to an insurer.
• Identify two conflicts of interest; state the avoid-disclose-manage framework.
• Distinguish churning from a legitimate replacement and name two financial harms churning causes.
• State what "scope of competence" means in product and subject-matter terms.
• Describe two observable signs of a vulnerable client and the correct agent response.