Why does it say the limit has been reached on Hoopla?

The Library has a monthly budget for Hoopla.  It has been divided up to a set amount per day by Hoopla.  When the daily amount is reached, no matter the time of day, it doesn't reset or restart until 12:01 am the next day.  This may limit patrons even if they haven't reached their allotment of borrows for the month.

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1. Why am I unable to download OverDrive audiobooks with my Mac?
2. How many items may be borrowed via Hoopla?
3. How do I set READS to the Kids and Teens interface?
4. Why does it say the limit has been reached on Hoopla?