| Good morning, A high-ranking US Treasury official has warned of “predatory actors” exploiting growing gaps in Pacific banking services, after the country flew a large contingent of central bankers and other experts to Australia to try and tackle the problem. Meanwhile, an early federal election and potential minority government in Australia should be added to the list of potential risks for investors this year, according to Morgan Stanley analysts who identified diverging energy policies among the key battleground topics. And newly-released documents show the Commonwealth Bank's board and management are keen on retaining top staff, repeatedly ignoring the corporate regulator's attempts to stop it from scrapping its banker bonus cap. | 