You must always stop under the following condition:
When approaching a railroad with flashing red lights.
Flashing red lights at a railroad indicate that a train is either approaching or passing, and stopping is mandatory to ensure safety.
For the other two scenarios:
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When merging with freeway traffic: You are generally required to yield and adjust your speed but not necessarily stop.
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At an intersection for a yellow flashing light: A yellow flashing light means you should proceed with caution but do not have to stop unless it's unsafe to continue.
Therefore, you must always stop for the railroad with flashing red lights.