Re libraries: I stopped using the library many years ago. On two occasions they notified me that I had overdue books that I know I returned. I found the exact books on their shelves (their numbers matched). On another occasion, they notified me that a book about children and art was overdue. I never ever checked out a book on that topic. I simply don't trust their system, and I certainly do not want my credit to get a ding from their sloppy record-keeping.
Sorry, Ginny.