I'd be willing to leave something of value on a loan. I think that would improve my memory. I am always paying late fee's at the library.Which has turned out to be a good thing. My old library had a book sale before I moved out here and she set aside the quilt books for me. I got 12 at $5 each- at check out time I got my favorite 5 books free - because of all the late fee's I paid on them.