The House and Senate have passed legislation that will revamp the Bush administration's $5.6 billion effort to counter bioterrorism threats, reorganizing management of the program and providing struggling companies with periodic cash infusions to help fund their research and testing.	WASHINGTON -- America's trade deficit posted a dramatic decline in October, falling to the lowest level in 14 months as the price of crude oil plunged by a record amount.	WASHINGTON -- The Federal Reserve, under first-year Chairman Ben Bernanke, appears close to achieving the tricky maneuver of steering the U.S. economy to a soft landing.
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. ...