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I have just read through the excellent hit on overdue fines. I am one of those who charges. I understand those who do not, and I have the feeling that they are held extremely accountable for whatever is colelcted and must turn it in. I feel accountable, too, but must onlyh submit a summary. I still feel strongly that actions have consequences, and if you are allowed to have something for a set period of time, and if you then keep it longer, you pay a price. I feel that way with friends also, unfortunately, and my husband and I have stopped lending our own books because they are never returned. It is a sad commentary, but the general feeling out there is that once an item passes from one to another, even "on loan", you may never see it again. I would love to hear if others have had the same sad experience with personal loans. No - don't repond. It's summer. Just know that you are not alone. Kari Inglis kbw_inglis@mec.ohio.gov