Definition: In this task, a passage will be given and the goal is to identify an event from the passage. An event is defined as a single word representing something that happened, is happening, or may happen. An event can be factual or hypothetical, positive or negative, certain or uncertain. While most events are based on verbs, an event can also be based on a noun (ex. storm, snow, rainfall) or a copula verb (is, was, been, etc.). The event must not be a pronoun or an adjective. For noun events with multiple words, use the last word in the phrase as event.
Input: 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.

transfers