Text 1: A penalty can motivate compliance when people can readily meet the requirement, but it may discourage reengagement when accumulated debt feels impossible to resolve. The same policy can therefore affect occasional and long-overdue borrowers differently. Text 2: After a library eliminated small daily fines but still billed for unreturned books, on-time returns changed little. Many patrons with old fine balances, however, returned to borrow again once those balances were cleared. What relationship is established between the local outcome involving library fines and book returns and the broad statement about policies intended to encourage timely return of borrowed materials?