Good morning. Our top story this morning looks at the link between problem gambling and the use of pokies into the early hours of the morning. It suggests that earlier closing times for pubs, clubs and casinos would help protect at-risk punters. Meanwhile, insurance premiums in parts of regional Australia have almost tripled in three years – even for properties never directly affected by natural disaster. Plus: Sydney’s mothballed tram tunnels play host to a spectacular light display.