当前，每一美元存款可贷款65美分，而业内其他的银行则为90美分。

Currently it has 65 cents of loans for every dollar of deposits, compared with 90 cents or more for many peers.

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如果你不使用你的微笑，你就好比是个有百万美元存款却没有支票簿的人。

If you're not using your smile, you're like a man with a million dollars in the bank and no checkbook.

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如果彻底取消限额，则意味着FDIC将对美国的其余1.8万亿美元存款提供担保。

Lifting the cap entirely would mean the FDIC would be guaranteeing the remaining $1.8 trillion of U.S. bank deposits.

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