 And it is Independence Day. Most federal offices and banks are closed. Costco will be closed today, but the vast majority of major national retailers are open. Some are offering promotional sales. With the Fourth of July falling on Thursday, many Americans plan to take tomorrow off as well. AAA says more than 70 million will head 50 miles or more from home, and it's forecasting a record 5.74 million will fly to their destinations. And if you are among the millions of Americans who will be eating,