Q: In this task, a passage will be given and the goal is to generate a question about temporal relations based on that passage. A temporal relation describes the relation between two things with respect to time e.g., something happens/starts/terminates/... immediately/shortly/usually/... before/after/during/... something else.
 Your question should include an event, or ask about an event, and should not be a yes/no question.
Passage: Among other reasons, high fees regulators imposed on certain transfers of thrift deposits to commercial banks "substantially altered the economics of the transaction for both parties," Poughkeepsie said. Additionally, the bank is increasing its loan-loss reserves for the third quarter by $8.5 million before taxes.
A:

Show your work and conclude with the exact phrasing "Therefore, the final answer is [answer]." where [answer] is just the final number or expression that solves the problem.
user
What event has already finished?