The Dow Jones Industrial Average fell for its fifth straight session in the countdown to the inauguration of President-elect Donald Trump. The blue-chip index now sits more than 200 points from its 20,000 milestone. Western Union (WU) - Get Western Union Company Report declined after admitting to money laundering and a number of fraud violations. The company agreed to a $586 million fine from the Department of Justice and committed to new anti-fraud and compliance measures. Crude oil pared gains to close modestly higher after a weekly reading on domestic inventories showed building supply. Crude and gas inventories both rose in the past week. Goldman Sachs gave a thumbs-up to Panera Bread (PNRA) , upgrading its rating to buy from neutral. Analysts said they anticipate the chain's new delivery service to boost sales.