EVERY MORNING, TheJournal.ie brings you the stories you need to know as you start your day.

1. #MOTOR INSURANCE: An Oireachtas committee is expected to recommend Irish drivers receive a detailed breakdown of why they are being charged so much for their car insurance.

2. #EFFLUENT: The EPA has said raw sewage is being pumped out at 43 areas around the country.

3. #ON THE LADDER: The Central Bank governor has said smaller deposits and the first time buyers scheme will not ‘over-egg’ the market.

4.#MISSING: Gardaí are appealing for help finding missing Clare woman Maria Hennigar.

5. PORTADOWN: A report has found a man died in 1998 as a result of an assault by RUC officers.

6. #END OF AN ERA: RTÉ is to stop making TV programmes for young people in-house and will now rely on the independent sector.

7. #HOPPORTUNITY KNOCKS: Labour’s Alan Kelly has proposed a bill that would remove regulatory barriers for breweries, microbreweries, cider makers and distilleries which prevent them from selling their products on their own premises.

8. #PRECAUTIONS: Irish women are being urged to routinely take folic acid as it may be too late to prevent birth defects if taken only after a woman finds out she is pregnant.

9. #LET’S GET TOGETHER: US President-elect called for national unity in his Thanksgiving address, the BBC reports.