Britain's FTSE 100 index is seen opening 31 points lower at 7,231 on Thursday, according to financial bookmakers. * RYANAIR: A Spanish court on Wednesday ruled budget carrier Ryanair's policy of charging a fee for hand luggage was "abusive" and could no longer be levied in Spain. * DIRECT LINE: Direct Line Insurance Group Plc on Wednesday laid out a plan to cut expenses and bolster digital presence as Britain's biggest motor insurer looks to thrive in an indu