for the first time in my life, i had turned in a book one day late.  not really a full 24 hours, but enough for the library to levy a fine.  $0.20.  TWENTY CENTS.  i let the fine “ride” for a few days, until i needed another book.  i took two thin dimes with me when i went back to the library.  when i tried to pay my fine, the librarian was like, “it’s no big deal, you can pay it later.”  i was like, no way.  i have to see that blemish every time i sign into my account.  mark it zero!  she laughed, she took the money, gave me a receipt and sent me on my way.