Retail is often a treacherous investing environment. The competitive current can change quickly, and pricing is usually cut-throat. Yet even in such difficult industries, niche players can find a way to generate value. Ross Stores (ROST) is the largest off-price apparel and home fashion chain in the United States. The company entered the "Dividend Champions" club this month by raising its dividend for the 25th consecutive year. Despite a long record of success, there is still plenty of long-term upside in Ross Stores. The company has built a business model that successfully navigates