When I talk about a period of time that hasn't finished yet (at the moment of speaking), can I use the helping verb "had" instead of "has" in the Perfect Tense?
For example, should I still say:
By the end of this academic year she has really changed a lot, having turned from a quiet student to one of the most talkative ones in this class.
or I can also say:
By the end of this academic year she had really changed a lot, having turned from a quiet student to one of the most talkative ones in this class.
?