How is the library budget affected by the loss of fine income?

We anticipated fines to generate 2% of our overall 2020 budget.  Like you during this time of COVID-19 crisis, the library will tighten its belt while still providing current materials and excellent service.

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1. Do I still have to pay a fine that was on my account prior to HPL going fine-free?
2. Fines have been waived, so why does my account still have a balance?
3. I use more than one Monarch member library. How will that work?
4. How will the library get people to return borrowed materials?
5. How is the library budget affected by the loss of fine income?
6. I've always thought of paying my fine as a donation to the library. Can I still donate?
7. What's the difference between a fine and a fee?