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EVERY MORNING, TheJournal.ie brings you the stories you need to know as you get ready to face the day.

1. #OUCH: The financial rating agency Moody’s has been hit with a gigantic €812 million fine over its role in creating the worldwide financial crisis by overvaluing subprime US mortgages.

2. #BUS ÉIREANN: The Irish Times reports that the State bus carrier is set to cut overtime payments and eliminate the carryover of annual leave in a bid to avoid financial oblivion.

3. #PRICEY: Fine Gael and Fianna Fáil spent thousands of euro targeting voters with Facebook ads during last year’s general election.

4. #BALLAGHADERREEN: The people of the Co Roscommon town are being warmly welcoming towards the pending arrival of 84 refugees in their town.

5. #SOFTLY SENSUAL: Here’s how plans for Donald Trump’s oddly-described inauguration, due for next Friday, are going.

6. #SICK AND TIRED: Ireland’s nurses are leaving in their droves, here’s why.

7. #ARMENIA: The eastern European nation is suffering a ‘shortage of women’ due to the proliferation of sex-selective abortions.

8. #ALT-RIGHT: Is the alt-right gaining momentum in Ireland? We took a closer look.

9. #MENTAL HEALTH: Children’s lives are ‘at risk’ due to the lack of nationwide out-of-hours mental health services.