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I was concerned at first too. However, the state that I live in, California, is a member, so I quit worrying about it.
Their ebooks are scans. The way I understand it, they (or one of their library members, like California) have the paper copy of the book. When it's scanned, the paper book is then put aside and not allowed to be used.
I didn't know they loaned paper books. Where did you see that? They do list paper books and where they are available, but I thought they only loaned eformat.
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