EVERY MORNING, TheJournal.ie brings you nine things you really need to know by 9am.

1. #LEADERS’ DEBATE: Today’s papers are almost unanimous in their verdict that it was the Fianna Fáil leader, Michéal Martin, who came out on top of last night’s leaders’ debate on TV3 – only the Star’s Ger Colleran and Terry McGeehan rank Eamon Gilmore higher. But what did you make of it? Have your say in our daily election Face Off.  And despite his efforts to escape Vincent Browne, Enda Kenny spent last night being shouted down by an angry man at a meeting in Carrick-on-Shannon.

2. #BANKING CRISIS: Alan Dukes, the Anglo chair, has warned that Ireland will have to go to the EU/IMF for another €15 billion – on top of the €35 billion already earmarked to save our banking system, the Irish Independent reports today.

3. #BAILOUT: The boys from the EU and the IMF are back in town, assessing how well Ireland’s meeting its commitments under the bailout scheme, the Irish Times reports.

4. #OMBUDSMAN: The Garda Ombudsman Commission has rejected allegations by 12,000 gardai that it behaved in an ‘’excessive and oppressive’’ manner in the case of garda Brendan Whitty, who was acquitted of assault last week.

5. #SHOOTING: Gardaí believe the shooting of a 24-year-old Polish national in Birr Co Offaly on Sunday night was “an awful tragedy”. They suspect the victim was not about to burgle the house of 83-year-old Eamon Sutton, and may just have been drunk, the Irish Examiner reports.

6. #MAIL: The Mail has said it won’t be repeating its “marketing exercise” of wrapping the paper in a fake Sunday Tribune cover, after the Tribune threatened it with an injunction. The Tribune has also called for the Mail on Sunday to be expelled from the National Newspapers of Ireland (NNI), the Irish Independent reports.

7. #MICHAELA: Charges against one of the suspects in the murder of Michaela McAreavey may be dropped or changed, according to reports this morning.

8. #DJ: DJ Carey and wife Sarah Newman’s cleaning business is in trouble with debts of €1.7 million, the Irish Independent reports.

9. #BARENAKED BRIAN: Might be best to give this one a miss if you’re still eating your breakfast. TheJournal.ie has uncovered the location of the infamous nudie paintings of the current Taoiseach, Brian Cowen…they’re in a pub in Harold’s Cross in Dublin.