Well said Sarah, As a guilty late returner I can say emphatically that I have returned books late when I have had money and when I have not. Once I had to return a book that was so late I had to pay for the book. That got me thinking and I have changed my ways. It feels good to return books on time, just like it feels good to show up for work 5 minutes early, and not always have to rush for a train. Anyone can change their habits, rich or poor.