BECKER, J.

¶ 1 Appellants employed a capital gains tax reduction strategy that landed them in trouble with the Internal Revenue Service (IRS). They brought several claims against their attorney Edward Ahrens on grounds that he failed to disclose the extent of his business relationship with the company whose tax shelter plan he recommended. Because appellants made an inadequate response to Ahrens' motion for summary judgment on their claim that he violated the Consumer Protection Act, chapter 19.86 RCW, we affirm the order dismissing that claim. Their claims of breach of fiduciary duty and malpractice went to trial and resulted in a minimal award of damages. Their claim that Ahrens violated the Rules of Professional Conduct (RPCs) was decided by the court and resulted in an order to disgorge fees. Because the trial court handled these matters properly, the appellants' request for a new trial on damages is denied.

FACTS

¶ 2 John and Carl Behnke are cotrustees of multimillion dollar trusts. In 2001, on the advice of financial advisors, they considered selling the trusts' concentrated holdings in low-basis stocks. An accounting firm advised them on a strategy to reduce anticipated capital gain taxes. They were referred to Edward Ahrens, an attorney, for a second opinion. Ahrens held himself out as a specialist in tax matters.

¶ 3 The Behnkes entered into an attorney-client relationship with Ahrens on October 23, 2001. Ahrens advised them the accounting firm's proposal was not suitable. The Behnkes asked about other potential tax-savings alternatives. Ahrens recommended a tax shelter known as a "752" or "Son of BOSS"1 plan. The complicated mechanics of the plan involve creating artificial losses that are then claimed as a deduction.

¶ 4 Ahrens informed the Behnkes of organizations that carry out these plans. One was the Heritage Organization, located in Texas. Ahrens arranged meetings in Seattle in November 2001 between Heritage, himself, and the Behnkes. The Behnkes entered into a contract with Heritage and decided to use the Heritage 752 plan. They ultimately paid Heritage more than $1.7 million and became obligated to Heritage on approximately $2 million of promissory notes for a plan they hoped would save them more than $15 million in taxes. On Heritage's recommendation, the Behnkes retained the law firm of Lewis, Rice & Fingersh LLC, located in St. Louis, Missouri, to provide a legal opinion on the validity of the plan. They paid the Lewis firm $175,000 in fees. They would eventually pay more than $800,000 to other professionals who assisted them as events unfolded.

¶ 5 Ahrens sent the Behnkes an engagement letter, dated December 13, 2001. The letter stated that Ahrens' law firm would represent the cotrustees in the "planning project" that they were intending to do with Heritage and the Lewis firm. The work would include review of the documents and legal opinions related to implementing the project. Ahrens would eventually receive $12,325 for his services to the Behnkes, half of which was to be paid by Heritage.

¶ 6 In the engagement letter, Ahrens disclosed he had previously represented and continued to represent Heritage. What Ahrens did not disclose was the extent and nature of his continuing attorney-client and business relationship with Heritage. From 1998 through 2002, Ahrens and his firm performed nearly daily legal services for Heritage. Also, acting through a corporation, Ahrens designed variations of "752" tax reduction strategies and sold or licensed them to Heritage. Heritage promoted and sold Ahrens' strategies. The licensing fees Ahrens' corporation received from Heritage totaled $3,720,000 before Ahrens began to represent the Behnkes and $1,043,000 afterwards.

¶ 7 In April 2002, the Lewis firm opined that the plan developed for the Behnkes by Heritage was sound and began, with Heritage, to help them carry it out. At this time, the IRS was stepping up enforcement against what it considered to be abusive tax strategies. In late 2003, the Behnkes hired Preston, Gates & Ellis for more advice. Attorneys at Preston told them the IRS considered the strategies they were using abusive and recommended paying the taxes rather than trying to litigate the validity of the tax shelter. The Behnkes decided at first to continue with the plan. Then in 2005, they decided against litigation and elected instead to settle with the IRS. The IRS declared the trusts' 752 transaction to be an abusive tax shelter. All tax benefits were disallowed. The trusts paid $5,755,517 in capital gains taxes and $582,189 in penalties.

¶ 8 The Behnkes sued Ahrens in September 2006. Among their claims were fraud, violation of the Consumer Protection Act, breach of fiduciary duty, and legal malpractice. Ahrens moved for summary judgment dismissing all claims. On March 12, 2009, the trial court granted the motion in part, dismissing the claim under the Consumer Protection Act. The court permitted the fraud and malpractice claims and a common law claim for breach of fiduciary duty to proceed to trial by jury.

¶ 9 The Behnkes also asserted a cause of action for breach of fiduciary duty based on the RPCs, specifically RPC 1.7(b). The court ruled that the RPC-based claim would not be submitted to the jury, as it presented a question of law that only the court could decide.

¶ 10 The jury trial took place in October and November 2009. Using a special verdict form proposed by the Behnkes, the jury rejected the fraud claim but found that Ahrens breached a fiduciary duty and committed malpractice. The special verdict form required the jury to itemize the damages these breaches caused the Behnkes in seven categories: fees paid to Heritage, fees paid to Lewis Rice, fees paid to the Ahrens firm, fees paid to Preston Gates, fees paid to their attorneys in the Heritage bankruptcy case in Texas, additional capital gains taxes, and tax penalties. The only category for which the jury awarded damages was fees paid to Ahrens. The amount awarded was $6,162.25. The jury then determined that the Behnkes were contributorily negligent and attributed 47 percent of the damages to them.

¶ 11 After the jury delivered the verdict, the court discharged the jury and heard argument on the plaintiffs' claim that Ahrens' conduct was a violation of the RPCs. In findings of fact and conclusions of law entered on March 8, 2010, the court found that Ahrens did have a conflict of interest that violated RPC 1.7(b):

Findings of Fact 18, 20-21; Conclusion of Law 3.

¶ 12 The court ruled that disgorgement of fees was the only permissible civil remedy for breach of a lawyer's fiduciary duty of undivided loyalty based on violation of the RPC conflict of interest rules. Accordingly, the court rejected the Behnke's request for an award of substantial actual damages, including taxes and penalties, as a consequence of RPC violation. The court ordered Ahrens to disgorge and pay the Behnkes $12,325, the total attorney fees received for representing them, plus prejudgment interest. The result was a judgment for $16,597.28.

¶ 13 The Behnkes then moved for additur in connection with the jury verdict. The trial court denied the motion.

¶ 14 The Behnkes appeal.

CONSUMER PROTECTION ACT

¶ 15 Before trial, Ahrens moved for summary judgment, contending that all of the Behnkes' claims should be summarily dismissed. The trial court dismissed only the claim for violation of the Consumer Protection Act.

¶ 16 Summary judgment is proper only when pleadings, depositions, admissions, and affidavits show there is no genuine issue of material fact and the moving party is entitled to judgment as a matter of law. This court engages in the same inquiry as the trial court. We consider the facts in the light most favorable to the nonmoving party. Review is de novo. CR 56(c); Fidelity Mortg. Corp. v. Seattle Times Co., 131 Wn.App. 462, 467-68, 128 P.3d 621 (2005). Bare assertions that a genuine material issue of fact exists will not defeat a summary judgment motion in the absence of actual evidence. Trimble v. Wash. State Univ., 140 Wn.2d 88, 93, 993 P.2d 259 (2000).

¶ 17 The Consumer Protection Act declares unlawful unfair methods of competition and unfair or deceptive acts or practices in the conduct of any trade or commerce. RCW 19.86.020. To prevail in a private Consumer Protection Act claim, the plaintiff must prove (1) an unfair or deceptive act or practice, (2) occurring in trade or commerce, (3) affecting the public interest, (4) injury to a person's business or property, and (5) causation. Hangman Ridge Training Stables, Inc. v. Safeco Title Ins. Co., 105 Wn.2d 778, 784-85, 719 P.2d 531 (1986).

¶ 18 Below, Ahrens argued that the Behnkes lacked evidence to support the first and third elements, an unfair or deceptive act or practice affecting the public interest.

¶ 19 To meet the "unfair or deceptive act or practice" element, a plaintiff "need not show that the act in question was intended to deceive, but that the alleged act had the capacity to deceive a substantial portion of the public." Hangman Ridge, 105 Wash.2d at 785, 719 P.2d 531. To meet the "public interest" element, a private plaintiff must show "not only that a defendant's practices affect the private plaintiff but that they also have the potential to affect the public interest." Indoor Billboard/Wash., Inc. v. Integra Telecom of Wash., Inc., 162 Wn.2d 59, 74, 170 P.3d 10 (2007).

¶ 20 In arguing to the trial court that Ahrens could not establish these two elements, Ahrens relied on Swartz v. KPMG, LLC, 401 F.Supp.2d 1146 (W.D.Wash.2004), affirmed in part and reversed in part, 476 F.3d 756 (9th Cir.2007). On appeal, the Behnkes argue that Swartz misinterpreted our Washington statute and should not be followed.

¶ 21 In Swartz, the plaintiff had received $18 million from the sale of a business. He engaged in some questionable transactions as part of a tax plan designed by his accounting firm to offset his capital gains and diminish his tax liability. He received a notice from the IRS that the tax plan did not produce bona fide deductions for income tax purposes. He sued various defendants on various theories. Most of his claims, including a claim for violation of the Consumer Protection Act, were dismissed for failure to state a claim. As to the Consumer Protection Act claim, the court said that wealthy investors looking for tax shelters are too small a group to qualify as "a substantial portion of the public" and that "the tribulations of millionaires" do not affect the public interest:

Swartz, 401 F.Supp.2d at 1153-54. The Ninth Circuit Court of Appeals, affirming per curiam, adopted the district court's opinion on the Consumer Protection Act issue. "We note that a scheme marketed to a `select audience' of persons with millions of dollars of capital gains to shield from taxation lacks the capacity to deceive a substantial portion of the public." Swartz v. KPMG LLP, 476 F.3d 756, 761 (9th Cir.2007).

¶ 22 The Behnkes rightfully complain that Swartz misinterprets Washington law. The Consumer Protection Act does not exclude millionaires from its remedies. The act provides that "Any person who is injured in his or her business or property by violation" of the Consumer Protection Act may bring a civil action to recover damages. RCW 19.86.090. The act is to be liberally construed. RCW 19.86.920. "Any person" means "any person." It is not a means-tested category. Nothing in the language of the act demonstrates a legislative intent to "focus" on the problems of low-income or middle-income people to the exclusion of high-income people. Indeed, our Supreme Court has already indicated that an investor has a viable Consumer Protection Act claim against an attorney who simultaneously represents the promoter of a tax shelter scheme, if the attorney "failed to disclose the conflict for the purpose of obtaining clients or increasing profits." Eriks v. Denver, 118 Wn.2d 451, 465, 824 P.2d 1207 (1992).

¶ 23 Whether a deceptive act has the capacity to deceive a substantial portion of the public is a question of fact. Holiday Resort Cmty. Ass'n v. Echo Lake Assocs., LLC, 134 Wn.App. 210, 226-27, 135 P.3d 499 (2006), review denied, 160 Wn.2d 1019, 163 P.3d 793 (2007). Washington courts have not tried to decide as a matter of law whether the potential victims of a deceptive act or practice are sufficiently numerous to qualify as "a substantial portion of the public." For example, it is likely that persons who purchase expensive race horses are a relatively wealthy and small group, but this was not a bar to recovery in Travis v. Wash. Horse Breeders Ass'n, 111 Wn.2d 396, 406, 759 P.2d 418 (1988). See also First State Ins. Co. v. Kemper Nat'l Ins. Co., 94 Wn.App. 602, 971 P.2d 953 (excess liability carrier had a CPA claim against a primary insurer), review denied, 138 Wn.2d 1009, 989 P.2d 1136 (1999).

¶ 24 In applying the requirement that the allegedly deceptive act has the capacity to deceive "a substantial portion of the public," the concern of Washington courts has been to rule out those deceptive acts and practices that are unique to the relationship between plaintiff and defendant. Burns v. McClinton, 135 Wn.App. 285, 303-06, 143 P.3d 630 (2006), review denied, 161 Wn.2d 1005, 166 P.3d 718 (2007); Brown ex rel. Richards v. Brown, 157 Wn.App. 803, 815-17, 239 P.3d 602 (2010). The definition of "unfair" and "deceptive" must be objective to prevent every consumer complaint from becoming a triable violation of the act. Thus, our Supreme Court has said that actionable deception exists where there is a practice likely to mislead a "reasonable" or "ordinary" consumer. Panag v. Farmers Ins. Co., 166 Wn.2d 27, 50, 204 P.3d 885 (2009) (collection notices had the capacity to deceive a substantial portion of the public because language could induce people to remand payment in the mistaken belief they had a legal obligation to do so).

¶ 25 "The purpose of the capacity-to-deceive test is to deter deceptive conduct before injury occurs." Hangman Ridge, 105 Wash.2d at 785, 719 P.2d 531. This purpose would be frustrated by amorphous numerical thresholds established ad hoc by the courts.

¶ 26 As for determining whether the complained of conduct affects the public interest, this element also is factual in nature. Hangman Ridge, 105 Wash.2d at 791, 719 P.2d 531. Where the transaction was essentially a private dispute rather than essentially a consumer transaction, it may be more difficult to show that the public has an interest in the subject matter. Hangman Ridge, 105 Wash.2d at 790, 719 P.2d 531. Ordinarily, a breach of a private contract affecting no one but the parties to the contract is not an act or practice affecting the public interest. This is often the case with legal services, which are not within trade or commerce except as they relate to the entrepreneurial aspects of the practice of law. Eriks, 118 Wash.2d at 463-64, 824 P.2d 1207. It is the likelihood that additional plaintiffs have been or will be injured in exactly the same fashion that changes a factual pattern from a private dispute to one that affects the public interest. Hangman Ridge, 105 Wash.2d at 791, 719 P.2d 531.

¶ 27 In concluding that the deceptive marketing of tax shelters did not affect the public interest, the Swartz court generalized that "the extremely wealthy are neither unsophisticated nor easily subject to chicanery." Washington law does not support this reasoning. Anyone, regardless of wealth or sophistication, can fall victim to deception in trade or commerce. Swartz cited Goodyear Tire, 86 Wash.App. at 745, 935 P.2d 628. In that case, Goodyear Tire sued an independent dealer for amounts due on an open account. The dealer's counterclaim alleged that Goodyear violated the Consumer Protection Act by opening its own stores in the area and using unfair competitive tactics. First, the court held that Goodyear had committed no unfair or deceptive acts. Second, there were few indicators of public interest in what was basically a private dispute. Through his long business relationship with Goodyear, the plaintiff had the experience necessary to judge the risks involved in continuing that relationship. Goodyear Tire, 86 Wash.App. at 745, 935 P.2d 628. Goodyear Tire simply applies the "public interest" element as analyzed in Hangman Ridge, 105 Wash.2d at 790-91, 719 P.2d 531, to the facts of a particular private dispute. It does not support the generalization that wealthy people are too sophisticated to be deceived.

¶ 28 In short, because the reasoning in Swartz is not authoritative, it has no application in the Behnkes' appeal.

¶ 29 Nevertheless, the trial court did not err in dismissing the Behnkes' Consumer Protection Act claim on summary judgment. This is primarily because in responding below to what was a comprehensive motion for summary judgment, the Behnkes did not address their Consumer Protection Act claim at all. It is not surprising, then, that the trial court dismissed it. The Behnkes moved for reconsideration, but their brief on reconsideration did little more than criticize the reasoning of Swartz.

¶ 30 On appeal, the Behnkes identify the deceptive act as Ahrens failing to disclose that he had a direct financial interest in the transaction about which he was advising his clients. To establish an unfair or deceptive act, there must be shown a real and substantial potential for repetition, as opposed to a hypothetical possibility of an isolated unfair or deceptive act's being repeated. Michael v. Mosquera-Lacy, 165 Wn.2d 595, 604-05, 200 P.3d 695 (2009). See Burns, 135 Wash. App. at 306, 143 P.3d 630 (accountant failed to tell his client he was overcharging him; because their relationship was unique, plaintiff did not establish a practice with the potential to deceive other members of the public). Ahrens contends the record lacks evidence that his alleged nondisclosure was likely to be repeated with other clients. The Behnkes reply with citations to the record showing that Ahrens wrote engagement letters to other clients in which, similar to his letter to the trusts, he failed to disclose the extent of his payments from Heritage.

¶ 31 The citations offered by the Behnkes are to the record as it later developed, not to the record on summary judgment. Our review of a summary judgment ruling is confined to evidence specifically called to the attention of the trial court. RAP 9.12. Opposition to summary judgment cannot succeed based on speculation. Micro Enhancement Int'l, Inc. v. Coopers & Lybrand, LLP, 110 Wn.App. 412, 438-39, 40 P.3d 1206 (2002). Given the belated, conclusory, and speculative nature of the Behnkes' response below, the trial court did not err in dismissing the Consumer Protection Act claim on summary judgment.

DAMAGES

¶ 32 The Behnkes raise three additional issues, all of them aimed at trying to get a new trial on damages. We address each theory in turn.

¶ 33 First, the Behnkes contend the trial court erred in refusing to award them their actual damages, including taxes, penalties, and the fees they paid to Heritage and other professionals. The Behnkes argue that the court was sitting in equity and should have exercised its broad discretion to fashion broad remedies and do substantial justice.

¶ 34 A claim seeking damages against an attorney for breach of fiduciary duty is legal, not equitable. See Kelly v. Foster, 62 Wn.App. 150, 154-55, 813 P.2d 598, review denied, 118 Wn.2d 1001, 822 P.2d 287 (1991). The Behnkes had their opportunity to get damages when their claims of breach of fiduciary duty and malpractice were submitted to the jury. The Behnkes contend the jury's verdict was only advisory. They are mistaken. The court's oral ruling, incorporated into the written findings, made clear that the jury's verdict on damages was binding: "We submitted the common law breach of fiduciary issue to the jury, and they decided it, and I do not want anything I do here to be construed as challenging or speculating or undoing the jury's decision."

¶ 35 The trial court reserved to itself the decision on whether Ahrens breached the RPC requirement of undivided loyalty, but not for the purpose of giving the Behnkes a second chance to obtain the damages the jury refused to award. Taking the RPC issue away from the jury simply recognized that the question of whether an attorney's conduct violated the relevant RPCs is a question of law for the court to decide. Eriks, 118 Wash.2d at 457-58, 824 P.2d 1207.

¶ 36 Violations of the RPCs do not give rise to an independent cause of action for malpractice and may not be used as evidence of malpractice. Hizey v. Carpenter, 119 Wn.2d 251, 259-60, 830 P.2d 646 (1992). In a malpractice case, an expert witness may not explicitly refer to the ethical rules, nor may the existence of the rules be revealed to the jury via instructions. Hizey, 119 Wash.2d at 254, 830 P.2d 646. But courts may consult and rely on the ethical rules for reasons other than to find malpractice liability, and where they have done so, the holdings in such pre-Hizey cases "remain in force," including the holding in Eriks that violation of the rules is a question of law, not fact. Hizey, 119 Wash.2d at 264-65, 830 P.2d 646. Thus, Hizey preserved the propriety of using the ethical rules for reasons other than to impose malpractice liability. A trial court may properly consider the RPCs in an action by a client to recover attorney fees for the attorney's alleged breach of fiduciary duty. Cotton v. Kronenberg, 111 Wn.App. 258, 266, 44 P.3d 878 (2002), review denied, 148 Wn.2d 1011, 62 P.3d 890 (2003). That was done here.

¶ 37 "Disgorgement of fees is a reasonable way to discipline specific breaches of professional responsibility, and to deter future misconduct of a similar type. Such an order is within the inherent power of the trial court to fashion judgments." Eriks, 118 Wash.2d at 463, 824 P.2d 1207 (internal quotation marks and citation omitted). A finding of causation and damages is not required to support an order of disgorgement. Eriks, 118 Wash.2d at 462, 824 P.2d 1207. Having independently decided that Ahrens violated the RPC conflict of interest rules, the trial court relied on Eriks and Cotton as authority to order Ahrens to disgorge all the fees he received for representing the Behnkes. The Behnkes had a full opportunity to present their theories and evidence of damages to the jury. The trial court did not err by limiting the remedy for the RPC violation to disgorgement.

¶ 38 Next, the Behnkes contend they are entitled to a new trial on damages because the court concluded, mistakenly in their view, that Ahrens' conflict of interest was waivable in view of the business experience and sophistication of the Behnkes. The Behnkes argue the trial court should have ruled the conflict was nonwaivable and instructed the jury accordingly.

¶ 39 This argument is misplaced. The Behnkes have not assigned error to any ruling the court made in connection with instructing the jury. The conclusion they challenge was contained in the findings and conclusions entered by the court in connection with the RPC-based claim of breach of fiduciary duty. Even if the conclusion that the conflict was waivable was erroneous, an issue on which we express no opinion, the Behnkes fail to show how it prejudiced them. Neither the jury nor the judge found a waiver.

¶ 40 Finally, the Behnkes contend the court erred in denying their postverdict motion for additur.

¶ 41 The right of trial by jury on a legal claim is inviolate. WASH. CONST. art. I, § 21. Determination of the amount of damages is within the province of the jury, and courts are reluctant to interfere with a jury's damage award when fairly made. Palmer v. Jensen, 132 Wn.2d 193, 197, 937 P.2d 597 (1997). The jury verdict must be upheld unless the court finds from the record that the damages are outside the range of substantial evidence in the record, shock the court's conscience, or appear to have been arrived at as the result of passion or prejudice. RCW 4.76.030; Green v. McAllister, 103 Wn.App. 452, 462, 14 P.3d 795 (2000). Regardless of the court's assessment of the damages, the court may not, after a fair trial, substitute its conclusions for that of the jury on the amount of damages. Green, 103 Wash.App. at 462, 14 P.3d 795. Where an award is not contrary to the evidence, this court will not find it to be the result of passion or prejudice based solely on the award amount. Brundridge v. Fluor Fed. Servs., Inc., 164 Wn.2d 432, 454, 191 P.3d 879 (2008). We review for an abuse of discretion. Palmer, 132 Wash.2d at 197, 937 P.2d 597.

¶ 42 The jury was instructed to award damages proximately caused by Ahrens' breach. The Behnkes assert that the jury failed to award "undisputed" damages for their out-of-pocket expenses for taxes, penalties, and professional fees. They ignore the issue of proximate causation, which was hotly contested at trial.

¶ 43 Instruction 22 stated that the verdict "should include the economic damages that you find were proximately caused by the negligence of the defendant." The verdict form asked: "What do you find to be the amount of damages proximately caused by Defendants' breach of fiduciary duty?" The jury found Ahrens breached a fiduciary duty and was negligent or committed malpractice, proximately causing damages of $6,162.25. The verdict states these damages were for fees paid to Ahrens.

¶ 44 The Behnkes received a good deal of advice from other professionals after forming an attorney-client relationship with Ahrens. It was not contrary to the evidence for the jury to find that Ahrens' own fee was the only damage proximately caused to the Behnkes by Ahrens' breaches of duty. The jury could reasonably decide that the Behnkes would have bought the Heritage tax shelter even if they had known more about Ahrens' relationship with Heritage. The Behnkes point to no portion of the record evincing an attempt to inflame the jury with passion or prejudice. The trial court did not abuse its discretion by denying the Behnkes' motion for additur.

¶ 45 Affirmed.

WE CONCUR: LAU and GROSSE, JJ.