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German newsmedia are full of stories about “penalty rates”and criticism of the European Central Bank for, as they put it, expropriating savers.

In its letter, the agency lays out the interest and penalty rates that companies can expect, which range from paying no penalties and minimal interest if completed within 90 days to paying a 12% penalty and 18% interest.

The claim alleges that benefits mandated under the Fast Food Industry Award 2010 like casual loading, travel costs, penalty rates, mininum three-hour shifts and laundry allowances among others were systematically avoided by Domino’s.

McCurdy improves upon his model year after year — he calls this year’s version “Magnus,” while last year’s was “Edgar” — but generally they are based on team’s shot rates, penalty rates and goaltender performance, for starters.

O’Neill has students research three credit card offers, for example, comparing the interest rates, penalty rates, fees and rewards for each, and evaluating which might be best for their particular situation.