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% replaces any number of letters (la% - lake, lamp)_ replaces one letter (ca_ - car, cat)

Crossword clues for Library penalty:

LATEFEE: Library penalty
FINE: Library penalty
FINES: Overdue library book penalties
LATE: With 36 Down, library patron's penalty
LATEFEE: Penalty for reading a library book too slowly
FINE: Penalty for returning a library book late