diff --git a/How-fail2ban-works.md b/How-fail2ban-works.md
index 14614c9..79bfbcd 100644
--- a/How-fail2ban-works.md
+++ b/How-fail2ban-works.md
@@ -123,3 +123,9 @@ Following script shows all failures of all IPs across all jails:
 lockingopt =
 ```
 </details>
+
+***
+**[Q]** After Fail2ban starts, I'm not seeing the filter chains I expect as per my configuration
+<details><summary>Answer</summary>
+
+**[A]** Fail2ban will create the filter chains on demand, i.e. as the first bans actually happen. This behaviour was changed in fail2ban 0.10 - prior to that version empty chains were created directly at startup (see also [this SO answer](https://stackoverflow.com/a/68622588/1529709) and [#1742](https://github.com/fail2ban/fail2ban/pull/1742)).
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