Covering all of America's 10,000 banks and other depository institutions will take even longer.

覆盖美国所有一万家银行和其他存款机构甚至需要更长的时间。

You know, one Christmas Day, they all got on the phone and wrote this special depository institution law that created these banks.

你知道，在一个圣诞节那天，他们都接到电话并起草了创建这些银行的特别存款机构法。