B. Timely Return of Materials. Library Commission users are responsible for the timely return of materials borrowed. The Library Commission may establish a schedule of daily fines and a maximum total fine for overdue materials loaned to state government users, intellectual property researchers, and the general public. Such fines may vary by material type. The Library Commission reserves the right to reduce or waive charge under special circumstances, including an "act of nature" such as a fire, flood, or tornado. Individuals with overdue materials may not borrow additional material until overdue materials are returned and fines have been paid in full. In accordance with NLS guidelines, no fines are levied for Blind and Physically Handicapped overdue materials. Users accept responsibility for returning materials according to established loan policies. Users of Blind and Physically Handicapped materials may not lend NLS or network-produced books, magazines, and equipment to non-eligible persons.