I've been locked out twice. Since the lockouts covered all 3 libraries I was using, I assumed it might have been because I returned a group of books which had been downloaded from different libraries all at once, perhaps in combination with one of more minimum times set by each library. But maybe it is as simple as just the time of retention per book before return for each book. I've noticed that 24 hours plus is safe for each of the libraries I use, but I also now only borrow one set from one library at a time, then return all members of that set before borrowing another set from another library.
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