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R values for vertical combinations exceptions

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I am looking at the exceptions to section page 122 ASCE 7-05 Exception 3
Does exception 3 mean that for a typical wood framed three story single family dwelling with a moment frame at only the garage, the building be designed for an R of 6.5 and design just the moment frame for 3.5?
Is a zero set back row house considered a "detached" dwelling, (1" between buildings)?