This content is restricted to registered users only. If you have already registered on the AJP website please login below, Or you can Register for free.
The year in review: Winners and losers in the penalty rate debate
![piggy bank: penalty rates concept](https://ajp.com.au/wp-content/uploads/2015/09/Depositphotos_8558572_m1.jpg)
All content on AJP.com.au is restricted to registered users only.
To continue enjoying access to all the news, views, information and education you’ve come to trust, please login & stay in.
And if you don’t already have a login – register now!