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Florida Republican Rep. Dennis Ross is retiring after eight years of serving in the US House."After thoughtful prayer and consideration, my wife Cindy and I decided that I will not seek re-election for a fifth-term in office," Ross wrote in a statement posted to Facebook Wednesday morning."I am grateful for this incredible opportunity to serve and I look forward to the next chapter of my life which will include, in some way, continued public service."Ross wrote that he plans on returning to Lakeland, Florida, the district he represents, and practicing law.The Tampa Bay Times was the first to report on Ross' retirement."Eight years takes its time on you. ... There's got to be an exit strategy at some point," Ross, who was elected in 2010, told the newspaper.The retirement announcement of Ross, who joined House leadership in 2014 as senior deputy majority whip, comes the same day that House Speaker Paul Ryan said he won't seek re-election and will hang up his gavel after this year.The-CNN-Wire 1014

For years, the Federal Housing Administration was the king of the low-down-payment mortgage mountain. Now, Fannie Mae and Freddie Mac, the government-sponsored enterprises that provide capital to the mortgage market, are designing loan products for hopeful home buyers with skinny savings accounts.With Fannie Mae’s HomeReady and Freddie Mac’s Home Possible, a 3% down payment — or what lenders refer to as 97% loan-to-value — is available on so-called conventional loans. Conventional loans are the loan products most often issued by lenders. 561

Forget about drones and armies of people driving Amazon trucks. One big Wall Street firm thinks Amazon's plan to build up its air freight delivery service may be what really winds up hurting UPS and FedEx.Morgan Stanley analyst Ravi Shanker said in a report Tuesday that both delivery giants could lose 10% of their revenue to Amazon Air by 2025. Shanker cut his price targets on UPS (UPS) and FedEx (FDX) and both stocks plunged more than 6% as a result.It was a particularly gruesome day for transportation stocks due to worries about the broader economy and confusion about the status of US-China trade talks.The Dow Jones Transportation Average, which includes FedEx and UPS as well as leading airlines, truckers and railroads, fell 4.4% -- its worst drop since June 2016.But Shanker paints a picture that should be extremely worrisome to UPS and FedEx.He notes that Amazon (AMZN), which currently is leasing 40 cargo jets, could eventually have 100 planes running and estimates that the planned Amazon Air routes could overlap with more than two-thirds of the volume flown by UPS and FedEx.That's bad news for both companies since Shanker said that UPS and FedEx each generate nearly 20% of their overall revenue from US air deliveries.Amazon has made big investments to bulk up Amazon Air. In the past few years, it has bought stakes in two freight delivery airlines -- Air Transport Services Group (ATSG) and Atlas Air Worldwide Holdings (AAWW).It also announced plans to invest .5 billion in order to build an Amazon Air hub on more than 900 acres of land that it is leasing near the Cincinnati/Northern Kentucky International Airport. Amazon bought an additional 210 acres earlier this year.There's a simple reason why Amazon will want to handle more of its own air deliveries. According to Shanker, Amazon could save between billion and billion next year. That works out to about 3% to 6% of its global shipping costs.But on a day when the broader market was tanking, investors didn't seem too enthusiastic about Shanker's thoughts on Amazon either. Shares of Amazon fell nearly 6%. 2113

First lady Melania Trump will attend the funeral for Barbara Bush in Texas on Saturday."Mrs. Trump plans to pay her respects at the funeral on Saturday," her communications director Stephanie Grisham told CNN.Bush, the matriarch of a Republican political dynasty and a first lady who elevated the cause of literacy, died Tuesday. She was 92.The-CNN-Wire 361

FREE AT LAST!!!From L to R: Attorney John Pierce @CaliKidJMP THE KYLE RITTENHOUSEActor Ricky Schroder @rickyschroder13 Thank you, All Donors.Thank you, All Patriots.Thank God Almighty.#FightBack pic.twitter.com/37Ly66itT8— Lin Wood (@LLinWood) November 21, 2020 269