Buying more than you reasonably need/will need.
For a competitor/high-volume shooter, 100,000 rounds (or even more) may not be hoarding given that shortages occur and during those shortages it may not be possible to purchase ammo.
For the person who fired 20 rounds last year and plans to shoot 20 rounds this year and the same next year, and so on, then 100 rounds could be hoarding.
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