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Published 15:08 20 Jun 2016 BST
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Payne needs to stay at fullback and Marshall has played outside season for most of Ulster's season. Schmidt is attempting to grow his squad with a view to 2019 so bringing Earls in there would be a retrograde step. Olding remains at 12 with Marshal outside him, as they have often done for their province.
The biggest decision Schmidt has to make is at tighthead. Mike Ross was rested for a reason. Schmidt called it "farcical" to suggest the 36-year-old had been dropped but Tadhg Furlong's fine outing will make it hard for the senior prop to get back into the front row.
With Ross packing down, in Cape Town, Ireland held their own before leaking penalties. With Furlong in there, South Africa were getting pulped. Furlong should be the one who gets the 50/30 minutes split but Schmidt may go with what he knows. Is there really a point, he may wonder, in bringing his veteran prop off the bench when he needs fresh legs?
That leaves us with Ultan Dillane. In all likelihood, he will return to the Irish bench and be asked to do what he has done in four senior appearances to date - bolt on and careen into the opposition. He should have got a start over here, but all will be forgiven if we take down the Boks.
As for the bench, expect to see Sean Cronin return and for Eoin Reddan and Matt Healy to press for spots. This series could yet come down to the final play and Schmidt will want a mix of stardust and sledgehammers.
SportsJOE'S IRELAND TEAM
15. Jared Payne
14. Andrew Trimble
13. Luke Marshall
12. Stuart Olding
11. Keith Earls
10. Paddy Jackson
9. Conor Murray
1. Jack McGrath
2. Rory Best
3. Tadhg Furlong
4. Devin Toner
5. Iain Henderson
6. CJ Stander
7. Jordi Murphy
8. Jamie Heaslip
Replacements: Cronin, Bealham, Ross, Dillane, Ruddock, Marmion, Madigan, Healy.

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