<library>
  <name>Ruby library</name>
  <policy>
    <fines>
      <fine>
        <name>late-book</name>
        <desc>The book was returned late.</desc>
      </fine>
      <fine>
        <name>damaged-book</name>
        <desc>The book was returned damaged.</desc>
      </fine>
      <fine>
        <name>talking</name>
        <desc>The librarian won't go out with you. Stop asking.</desc>
      </fine>
    </fines>
  </policy>
</library>