Republican lawmakers, with little public debate, quietly added a billion-dollar health-care benefit to legislation that was rushed through Congress just before it adjourned Saturday morning.	S usan Hedeler is going home -- to eleven-eleven, as she calls it.	Are you a serial returner? By that I mean, do you routinely return items, especially holiday gifts? If so, be forewarned. Some retailers have resorted to using a computer database to track customer returns and catch fraudulent or excessive returns. Return fraud, which by the way includes bringing back used merchandise for a full refund, will cost retailers $3.5 billion this holiday season, according to a recent report by the National Retail Federation. For the year, the retail industry says it stands to lose $9.6 billion from fraudulent returns. Meanwhile, returns are expected to accelerate after Christmas. ...
B-4, D-2, K-1, M-1, M-8. At times yesterday, the courtroom debate about the law that created a new civil service system for the Defense Department sounded like the judges and lawyers were playing Battleship, the game where opponents use a grid to target and sink ships.	Awoman in a rural South Asian village receives a loan of about $250 to buy a dairy cow. She milks the cow, sells the milk and improves her standard of living while repaying the loan. In much of the world, this is microfinance.	Matt Cardillo's parents were nearing retirement, and he didn't have a clue about their plans. He was only in his early 30s, but with a son on the way and a mortgage to pay, he couldn't help being concerned about their future financial stability.