Fines have been waived, so why does my account still have a balance?

While fines materials have been waived, lost or damaged items, and ancillary charges such as copies, faxes, and notice fees, will remain on the account.

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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?