EVERY MORNING,TheJournal.ie brings you the stories you need to know as you wake up.

1. #DAVID DRUMM: The former Anglo Irish Bank chief is st to appeal his bail refusal today. 

2. #INSURANCE: A representative body for Irish insurance companies has said that the government must build adequate flood defences before any new schemes can be introduced.

3. #BORDER DISPUTE: Campaigners in Roscommon are hitting back at what they call a “land grab” that would see 7,000 people move from Roscommon into Westmeath. 

4. #CHINA: The country’s main stock markets have closed with gains of 2% after the authorities suspended a mechanism designed to prevent massive sell-offs of shares.

5. #CROSSING THE LIFFEY: The East Link toll bridge became public property on New Year’s Eve, but Dubliners are still required to pay a toll to cross it. 

6. #MORTGAGE RULES: Being interviewed in the Irish Times this morning, governor of the Central Bank Prof Philip Lane has said that the bank’s mortgage rules will be reviewed in the summer.

7. #NORTH KOREA: After North Korea’s nuclear test South Korea has resumed blasting K-pop music over the border.

8. #AT RISK: The Irish Medical Organisation has warned that people are putting their health at risk by presenting to GPs rather than emergency departments. 

9. #SPIKED: A group of students at the BT Young Scientist exhibition are hoping their app which tells if a drink has been spiked will bring them success in the competition.